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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 | $114,120 | $98,776+15.5% | $149,745-23.8% | $79,856+42.9% |
| Participation rate | 93.1% | 75.8%+17.3pp | 82.5%+10.6pp | 69.6%+23.5pp |
| Annual return | 14.16% | 27.38%-13.2pp | 276.72%-262.6pp | 31.71%-17.6pp |
| Employer contribution / active EE | $4,076 | $3,217+26.7% | $4,646-12.3% | $2,471+65.0% |
| Participant deferral / active EE | $7,336 | $5,681+29.1% | $6,843+7.2% | $3,741+96.1% |
| Admin fee / account holder | $534 | $6,053-91.2% | $9,312-94.3% | $5,306-89.9% |