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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 | $81,156 | $65,364+24.2% | $92,909-12.7% | $72,975+11.2% |
| Participation rate | 87.9% | 68.3%+19.6pp | 76.0%+11.9pp | 69.5%+18.4pp |
| Annual return | 20.27% | 42.11%-21.8pp | 109.44%-89.2pp | 81.01%-60.7pp |
| Employer contribution / active EE | $3,065 | $2,594+18.1% | $3,653-16.1% | $2,440+25.6% |
| Participant deferral / active EE | $5,645 | $3,128+80.5% | $4,238+33.2% | $3,608+56.5% |
| Admin fee / account holder | $1,218 | $4,251-71.3% | $5,795-79.0% | $5,124-76.2% |