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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 | $80,745 | $78,690+2.6% | $161,489-50.0% | $87,485-7.7% |
| Participation rate | 93.2% | 67.5%+25.7pp | 78.7%+14.5pp | 68.9%+24.3pp |
| Annual return | 15.97% | 32.74%-16.8pp | 89.72%-73.8pp | 26.06%-10.1pp |
| Employer contribution / active EE | $3,425 | $2,588+32.3% | $4,268-19.8% | $2,596+31.9% |
| Participant deferral / active EE | $2,936 | $3,311-11.3% | $5,630-47.9% | $4,274-31.3% |
| Admin fee / account holder | $5,019 | $6,724-25.4% | $16,006-68.6% | $7,775-35.4% |