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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 | $145,637 | $77,460+88.0% | $100,378+45.1% | $80,925+80.0% |
| Participation rate | 100.0% | 76.9%+23.1pp | 81.5%+18.5pp | 67.7%+32.3pp |
| Annual return | 22.76% | 37.24%-14.5pp | 49.41%-26.6pp | 35.65%-12.9pp |
| Employer contribution / active EE | $4,629 | $2,801+65.3% | $3,942+17.4% | $2,756+68.0% |
| Participant deferral / active EE | $6,960 | $6,818+2.1% | $8,087-13.9% | $4,299+61.9% |
| Admin fee / account holder | $4,868 | $5,887-17.3% | $7,899-38.4% | $6,940-29.9% |