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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 | $125,960 | $91,559+37.6% | $133,959-6.0% | $79,858+57.7% |
| Participation rate | 92.6% | 73.3%+19.2pp | 79.8%+12.8pp | 69.6%+23.0pp |
| Annual return | 10.78% | 61.85%-51.1pp | 45.09%-34.3pp | 31.72%-20.9pp |
| Employer contribution / active EE | $2,557 | $2,384+7.3% | $3,919-34.7% | $2,471+3.5% |
| Participant deferral / active EE | $4,040 | $3,734+8.2% | $5,047-20.0% | $3,740+8.0% |
| Admin fee / account holder | $1,938 | $6,321-69.3% | $8,928-78.3% | $5,306-63.5% |