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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 | $147,255 | $91,559+60.8% | $133,971+9.9% | $79,852+84.4% |
| Participation rate | 70.0% | 73.3%-3.3pp | 79.8%-9.8pp | 69.6%+0.4pp |
| Annual return | 12.44% | 61.85%-49.4pp | 45.09%-32.7pp | 31.72%-19.3pp |
| Employer contribution / active EE | $2,588 | $2,384+8.6% | $3,919-34.0% | $2,471+4.7% |
| Participant deferral / active EE | $5,791 | $3,734+55.1% | $5,047+14.7% | $3,740+54.8% |
| Admin fee / account holder | $3,299 | $6,321-47.8% | $8,929-63.1% | $5,306-37.8% |