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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 | $138,448 | $77,638+78.3% | $156,551-11.6% | $62,881+120.2% |
| Participation rate | 86.7% | 71.2%+15.5pp | 84.0%+2.7pp | 69.3%+17.4pp |
| Annual return | 7.71% | 50.33%-42.6pp | 32.23%-24.5pp | 20.14%-12.4pp |
| Employer contribution / active EE | $3,000 | $3,444-12.9% | $5,501-45.5% | $2,281+31.5% |
| Participant deferral / active EE | $4,872 | $3,046+60.0% | $4,8710% | $3,203+52.1% |
| Admin fee / account holder | $1,384 | $5,561-75.1% | $13,028-89.4% | $4,296-67.8% |