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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 | $146,472 | $81,233+80.3% | $155,567-5.8% | $80,874+81.1% |
| Participation rate | 96.0% | 66.2%+29.8pp | 78.2%+17.8pp | 67.6%+28.4pp |
| Annual return | 11.51% | 33.33%-21.8pp | 64.74%-53.2pp | 35.62%-24.1pp |
| Employer contribution / active EE | $4,357 | $3,101+40.5% | $4,674-6.8% | $2,756+58.1% |
| Participant deferral / active EE | $9,819 | $3,452+184.4% | $5,628+74.5% | $4,297+128.5% |
| Admin fee / account holder | $1,314 | $7,998-83.6% | $15,916-91.7% | $6,935-81.1% |