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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 | $133,624 | $78,428+70.4% | $95,960+39.2% | $79,852+67.3% |
| Participation rate | 90.3% | 73.5%+16.8pp | 77.1%+13.2pp | 69.6%+20.7pp |
| Annual return | 13.87% | 19.37%-5.5pp | 91.63%-77.8pp | 31.72%-17.8pp |
| Employer contribution / active EE | $2,657 | $1,945+36.6% | $2,541+4.6% | $2,471+7.5% |
| Participant deferral / active EE | $4,852 | $3,440+41.0% | $4,167+16.4% | $3,740+29.7% |
| Admin fee / account holder | $1,283 | $5,622-77.2% | $6,797-81.1% | $5,306-75.8% |