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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 | $81,233+9.3% | $155,567-42.9% | $80,874+9.8% |
| Participation rate | 90.5% | 66.2%+24.3pp | 78.2%+12.3pp | 67.6%+22.9pp |
| Annual return | 17.20% | 33.33%-16.1pp | 64.74%-47.5pp | 35.62%-18.4pp |
| Employer contribution / active EE | $5,893 | $3,101+90.1% | $4,674+26.1% | $2,756+113.9% |
| Participant deferral / active EE | $3,785 | $3,452+9.6% | $5,628-32.7% | $4,297-11.9% |
| Admin fee / account holder | $6,637 | $7,998-17.0% | $15,916-58.3% | $6,935-4.3% |