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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 | $153,533 | $81,276+88.9% | $155,574-1.3% | $80,925+89.7% |
| Participation rate | 97.2% | 66.2%+31.0pp | 78.2%+19.0pp | 67.7%+29.6pp |
| Annual return | 25.72% | 33.36%-7.6pp | 64.87%-39.1pp | 35.65%-9.9pp |
| Employer contribution / active EE | $5,126 | $3,103+65.2% | $4,676+9.6% | $2,756+86.0% |
| Participant deferral / active EE | $4,468 | $3,453+29.4% | $5,629-20.6% | $4,299+3.9% |
| Admin fee / account holder | $3,428 | $7,993-57.1% | $15,914-78.5% | $6,940-50.6% |