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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $90,409 | $77,638+16.4% | $156,551-42.2% | $62,881+43.8% |
| Participation rate | 96.6% | 71.2%+25.4pp | 84.0%+12.5pp | 69.3%+27.2pp |
| Annual return | 6.21% | 50.33%-44.1pp | 32.23%-26.0pp | 20.14%-13.9pp |
| Employer contribution / active EE | $2,213 | $3,444-35.7% | $5,501-59.8% | $2,281-3.0% |
| Participant deferral / active EE | $3,382 | $3,046+11.0% | $4,871-30.6% | $3,203+5.6% |
| Admin fee / account holder | $2,260 | $5,561-59.4% | $13,028-82.6% | $4,296-47.4% |