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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 | $119,629 | $48,364+147.4% | $71,796+66.6% | $62,881+90.2% |
| Participation rate | 97.1% | 60.6%+36.4pp | 69.1%+27.9pp | 69.3%+27.8pp |
| Annual return | 12.83% | 13.16%-0.3pp | 78.04%-65.2pp | 20.14%-7.3pp |
| Employer contribution / active EE | $3,639 | $1,042+249.3% | $1,924+89.1% | $2,281+59.5% |
| Participant deferral / active EE | $4,386 | $2,091+109.7% | $2,794+57.0% | $3,203+36.9% |
| Admin fee / account holder | $4,044 | $3,771+7.2% | $4,815-16.0% | $4,296-5.9% |