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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 | $79,054 | $76,551+3.3% | $123,894-36.2% | $62,881+25.7% |
| Participation rate | 86.2% | 73.0%+13.2pp | 81.4%+4.8pp | 69.3%+16.9pp |
| Annual return | 10.39% | 18.68%-8.3pp | 47.52%-37.1pp | 20.14%-9.8pp |
| Employer contribution / active EE | $9,969 | $2,882+245.8% | $4,617+115.9% | $2,281+337.0% |
| Participant deferral / active EE | $3,982 | $4,840-17.7% | $5,984-33.5% | $3,203+24.3% |
| Admin fee / account holder | $671 | $4,826-86.1% | $8,357-92.0% | $4,296-84.4% |