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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 | $114,592 | $91,559+25.2% | $133,971-14.5% | $79,852+43.5% |
| Participation rate | 97.2% | 73.3%+23.9pp | 79.8%+17.4pp | 69.6%+27.6pp |
| Annual return | 24.35% | 61.85%-37.5pp | 45.09%-20.7pp | 31.72%-7.4pp |
| Employer contribution / active EE | $5,132 | $2,384+115.3% | $3,919+31.0% | $2,471+107.7% |
| Participant deferral / active EE | $6,237 | $3,734+67.0% | $5,047+23.6% | $3,740+66.7% |
| Admin fee / account holder | $3,252 | $6,321-48.6% | $8,929-63.6% | $5,306-38.7% |