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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 | $74,556 | $72,273+3.2% | $101,275-26.4% | $79,856-6.6% |
| Participation rate | 77.6% | 68.5%+9.1pp | 75.8%+1.8pp | 69.6%+7.9pp |
| Annual return | 10.69% | 22.30%-11.6pp | 46.48%-35.8pp | 31.71%-21.0pp |
| Employer contribution / active EE | $5,338 | $2,691+98.4% | $3,660+45.9% | $2,471+116.0% |
| Participant deferral / active EE | $4,142 | $3,282+26.2% | $4,371-5.2% | $3,741+10.7% |
| Admin fee / account holder | $5,770 | $4,401+31.1% | $5,948-3.0% | $5,306+8.7% |