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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 | $134,485 | $81,233+65.6% | $155,567-13.6% | $80,874+66.3% |
| Participation rate | 84.6% | 66.2%+18.4pp | 78.2%+6.4pp | 67.6%+17.0pp |
| Annual return | 13.68% | 33.33%-19.6pp | 64.74%-51.1pp | 35.62%-21.9pp |
| Employer contribution / active EE | $5,090 | $3,101+64.1% | $4,674+8.9% | $2,756+84.7% |
| Participant deferral / active EE | $4,112 | $3,452+19.1% | $5,628-26.9% | $4,297-4.3% |
| Admin fee / account holder | $610 | $7,998-92.4% | $15,916-96.2% | $6,935-91.2% |