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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 | $81,358+9.1% | $155,556-42.9% | $80,959+9.7% |
| Participation rate | 90.5% | 66.3%+24.3pp | 78.2%+12.3pp | 67.7%+22.9pp |
| Annual return | 17.20% | 33.39%-16.2pp | 64.84%-47.6pp | 35.67%-18.5pp |
| Employer contribution / active EE | $5,893 | $3,106+89.7% | $4,675+26.0% | $2,757+113.7% |
| Participant deferral / active EE | $3,785 | $3,455+9.5% | $5,631-32.8% | $4,300-12.0% |
| Admin fee / account holder | $6,637 | $7,994-17.0% | $15,885-58.2% | $6,925-4.2% |