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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 | $153,284 | $76,407+100.6% | $150,298+2.0% | $82,448+85.9% |
| Participation rate | 86.7% | 66.4%+20.3pp | 77.8%+8.9pp | 68.1%+18.6pp |
| Annual return | 15.58% | 39.99%-24.4pp | 62.79%-47.2pp | 41.64%-26.1pp |
| Employer contribution / active EE | $2,969 | $2,614+13.6% | $4,154-28.5% | $2,551+16.4% |
| Participant deferral / active EE | $4,689 | $3,214+45.9% | $5,453-14.0% | $4,139+13.3% |
| Admin fee / account holder | $2,234 | $6,352-64.8% | $14,116-84.2% | $7,234-69.1% |