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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 | $145,403 | $78,672+84.8% | $109,163+33.2% | $85,856+69.4% |
| Participation rate | 88.9% | 68.3%+20.6pp | 75.9%+13.0pp | 69.3%+19.6pp |
| Annual return | 15.61% | 25.09%-9.5pp | 25.75%-10.1pp | 318.58%-303.0pp |
| Employer contribution / active EE | $5,847 | $2,734+113.9% | $3,723+57.1% | $2,565+127.9% |
| Participant deferral / active EE | $5,246 | $3,467+51.3% | $4,654+12.7% | $3,952+32.7% |
| Admin fee / account holder | $373 | $5,470-93.2% | $6,754-94.5% | $6,261-94.0% |