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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 | $91,129 | $72,492+25.7% | $87,104+4.6% | $72,975+24.9% |
| Participation rate | 96.7% | 72.8%+23.9pp | 76.9%+19.8pp | 69.5%+27.2pp |
| Annual return | 20.24% | 24.46%-4.2pp | 28.19%-8.0pp | 81.01%-60.8pp |
| Employer contribution / active EE | $4,648 | $1,894+145.4% | $2,521+84.3% | $2,440+90.5% |
| Participant deferral / active EE | $3,576 | $3,270+9.4% | $4,048-11.7% | $3,608-0.9% |
| Admin fee / account holder | $643 | $5,055-87.3% | $7,491-91.4% | $5,124-87.5% |