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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 | $126,660 | $78,682+61.0% | $109,188+16.0% | $85,851+47.5% |
| Participation rate | 87.9% | 68.3%+19.6pp | 75.9%+12.0pp | 69.3%+18.6pp |
| Annual return | 15.53% | 25.09%-9.6pp | 25.76%-10.2pp | 318.63%-303.1pp |
| Employer contribution / active EE | $2,324 | $2,734-15.0% | $3,723-37.6% | $2,565-9.4% |
| Participant deferral / active EE | $4,861 | $3,468+40.2% | $4,654+4.4% | $3,952+23.0% |
| Admin fee / account holder | $5,950 | $5,470+8.8% | $6,755-11.9% | $6,261-5.0% |