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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 | $103,085 | $78,428+31.4% | $95,960+7.4% | $79,852+29.1% |
| Participation rate | 80.5% | 73.5%+7.0pp | 77.1%+3.4pp | 69.6%+10.8pp |
| Annual return | 14.00% | 19.37%-5.4pp | 91.63%-77.6pp | 31.72%-17.7pp |
| Employer contribution / active EE | $2,817 | $1,945+44.8% | $2,541+10.8% | $2,471+14.0% |
| Participant deferral / active EE | $5,360 | $3,440+55.8% | $4,167+28.6% | $3,740+43.3% |
| Admin fee / account holder | $9,911 | $5,622+76.3% | $6,797+45.8% | $5,306+86.8% |