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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 | $112,060 | $88,672+26.4% | $105,223+6.5% | $82,448+35.9% |
| Participation rate | 75.9% | 67.9%+7.9pp | 75.0%+0.8pp | 68.1%+7.8pp |
| Annual return | 17.43% | 30.86%-13.4pp | 180.65%-163.2pp | 41.64%-24.2pp |
| Employer contribution / active EE | $3,862 | $3,048+26.7% | $3,689+4.7% | $2,551+51.4% |
| Participant deferral / active EE | $6,265 | $4,036+55.2% | $5,072+23.5% | $4,139+51.3% |
| Admin fee / account holder | $7,413 | $7,146+3.7% | $8,859-16.3% | $7,234+2.5% |