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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 | $84,376 | $81,358+3.7% | $155,556-45.8% | $80,959+4.2% |
| Participation rate | 90.0% | 66.3%+23.7pp | 78.2%+11.8pp | 67.7%+22.3pp |
| Annual return | 10.70% | 33.39%-22.7pp | 64.84%-54.1pp | 35.67%-25.0pp |
| Employer contribution / active EE | $9,922 | $3,106+219.4% | $4,675+112.2% | $2,757+259.9% |
| Participant deferral / active EE | $4,512 | $3,455+30.6% | $5,631-19.9% | $4,300+4.9% |
| Admin fee / account holder | $1,919 | $7,994-76.0% | $15,885-87.9% | $6,925-72.3% |