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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 | $91,044 | $91,559-0.6% | $133,978-32.0% | $79,856+14.0% |
| Participation rate | 97.1% | 73.3%+23.8pp | 79.8%+17.3pp | 69.6%+27.5pp |
| Annual return | 11.99% | 61.85%-49.9pp | 45.10%-33.1pp | 31.71%-19.7pp |
| Employer contribution / active EE | $3,722 | $2,384+56.2% | $3,919-5.0% | $2,471+50.6% |
| Participant deferral / active EE | $3,642 | $3,734-2.5% | $5,047-27.8% | $3,741-2.6% |
| Admin fee / account holder | $6,302 | $6,321-0.3% | $8,930-29.4% | $5,306+18.8% |