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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 | $88,790 | $81,276+9.2% | $155,574-42.9% | $80,925+9.7% |
| Participation rate | 90.5% | 66.2%+24.3pp | 78.2%+12.3pp | 67.7%+22.9pp |
| Annual return | 17.20% | 33.36%-16.2pp | 64.87%-47.7pp | 35.65%-18.5pp |
| Employer contribution / active EE | $5,893 | $3,103+89.9% | $4,676+26.0% | $2,756+113.8% |
| Participant deferral / active EE | $3,785 | $3,453+9.6% | $5,629-32.8% | $4,299-11.9% |
| Admin fee / account holder | $6,637 | $7,993-17.0% | $15,914-58.3% | $6,940-4.4% |