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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 | $92,941 | $60,442+53.8% | $96,754-3.9% | $87,485+6.2% |
| Participation rate | 81.0% | 58.7%+22.2pp | 70.3%+10.7pp | 68.9%+12.0pp |
| Annual return | 15.49% | 21.97%-6.5pp | 82.04%-66.5pp | 26.06%-10.6pp |
| Employer contribution / active EE | $4,576 | $1,691+170.7% | $2,679+70.8% | $2,596+76.3% |
| Participant deferral / active EE | $4,026 | $3,280+22.7% | $4,758-15.4% | $4,274-5.8% |
| Admin fee / account holder | $4,118 | $5,069-18.8% | $8,905-53.8% | $7,775-47.0% |