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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 | $113,873 | $48,078+136.9% | $78,676+44.7% | $62,881+81.1% |
| Participation rate | 92.0% | 65.2%+26.8pp | 73.6%+18.4pp | 69.3%+22.7pp |
| Annual return | 5.30% | 31.36%-26.1pp | 62.19%-56.9pp | 20.14%-14.8pp |
| Employer contribution / active EE | $4,170 | $2,015+107.0% | $2,850+46.3% | $2,281+82.8% |
| Participant deferral / active EE | $7,292 | $2,587+181.9% | $3,517+107.4% | $3,203+127.7% |
| Admin fee / account holder | $2,621 | $3,206-18.2% | $4,510-41.9% | $4,296-39.0% |