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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 | $196,420 | $76,407+157.1% | $150,298+30.7% | $82,448+138.2% |
| Participation rate | 76.0% | 66.4%+9.6pp | 77.8%-1.8pp | 68.1%+7.9pp |
| Annual return | 14.64% | 39.99%-25.4pp | 62.79%-48.1pp | 41.64%-27.0pp |
| Employer contribution / active EE | $2,954 | $2,614+13.0% | $4,154-28.9% | $2,551+15.8% |
| Participant deferral / active EE | $4,916 | $3,214+52.9% | $5,453-9.8% | $4,139+18.8% |
| Admin fee / account holder | $14,936 | $6,352+135.1% | $14,116+5.8% | $7,234+106.5% |