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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 | $125,784 | $78,425+60.4% | $95,956+31.1% | $79,858+57.5% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 25.53% | 19.37%+6.2pp | 91.63%-66.1pp | 31.72%-6.2pp |
| Employer contribution / active EE | $3,265 | $1,945+67.8% | $2,541+28.5% | $2,471+32.1% |
| Participant deferral / active EE | $5,248 | $3,440+52.6% | $4,167+26.0% | $3,740+40.3% |
| Admin fee / account holder | $1,022 | $5,622-81.8% | $6,797-85.0% | $5,306-80.7% |