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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 | $81,358+65.3% | $155,556-13.5% | $80,959+66.1% |
| Participation rate | 84.6% | 66.3%+18.4pp | 78.2%+6.4pp | 67.7%+16.9pp |
| Annual return | 13.68% | 33.39%-19.7pp | 64.84%-51.2pp | 35.67%-22.0pp |
| Employer contribution / active EE | $5,090 | $3,106+63.8% | $4,675+8.9% | $2,757+84.6% |
| Participant deferral / active EE | $4,112 | $3,455+19.0% | $5,631-27.0% | $4,300-4.4% |
| Admin fee / account holder | $610 | $7,994-92.4% | $15,885-96.2% | $6,925-91.2% |