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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 | $127,914 | $61,125+109.3% | $94,057+36.0% | $87,485+46.2% |
| Participation rate | 93.1% | 64.1%+29.0pp | 73.3%+19.8pp | 68.9%+24.2pp |
| Annual return | 17.36% | 35.20%-17.8pp | 480.62%-463.3pp | 26.06%-8.7pp |
| Employer contribution / active EE | $3,299 | $2,136+54.4% | $2,933+12.5% | $2,596+27.1% |
| Participant deferral / active EE | $7,924 | $3,260+143.1% | $4,709+68.3% | $4,274+85.4% |
| Admin fee / account holder | $430 | $5,629-92.4% | $7,244-94.1% | $7,775-94.5% |