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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 | $113,271 | $76,407+48.2% | $150,298-24.6% | $82,448+37.4% |
| Participation rate | 94.1% | 66.4%+27.7pp | 77.8%+16.4pp | 68.1%+26.0pp |
| Annual return | 13.82% | 39.99%-26.2pp | 62.79%-49.0pp | 41.64%-27.8pp |
| Employer contribution / active EE | $4,737 | $2,614+81.2% | $4,154+14.0% | $2,551+85.7% |
| Participant deferral / active EE | $7,776 | $3,214+141.9% | $5,453+42.6% | $4,139+87.9% |
| Admin fee / account holder | $5,319 | $6,352-16.3% | $14,116-62.3% | $7,234-26.5% |