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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 | $124,125 | $89,364+38.9% | $141,177-12.1% | $72,983+70.1% |
| Participation rate | 87.1% | 75.1%+12.0pp | 82.5%+4.6pp | 69.5%+17.6pp |
| Annual return | 28.85% | 111.86%-83.0pp | 71.40%-42.6pp | 81.01%-52.2pp |
| Employer contribution / active EE | $4,082 | $3,115+31.0% | $4,736-13.8% | $2,440+67.3% |
| Participant deferral / active EE | $9,403 | $5,419+73.5% | $6,710+40.1% | $3,608+160.7% |
| Admin fee / account holder | $721 | $5,959-87.9% | $10,263-93.0% | $5,124-85.9% |