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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 | $114,204 | $48,076+137.5% | $78,690+45.1% | $62,891+81.6% |
| Participation rate | 90.0% | 65.2%+24.8pp | 73.6%+16.4pp | 69.3%+20.7pp |
| Annual return | 6.73% | 31.35%-24.6pp | 62.18%-55.4pp | 20.14%-13.4pp |
| Employer contribution / active EE | $2,095 | $2,015+4.0% | $2,851-26.5% | $2,281-8.1% |
| Participant deferral / active EE | $5,028 | $2,588+94.3% | $3,517+43.0% | $3,203+57.0% |
| Admin fee / account holder | $5,685 | $3,207+77.2% | $4,511+26.0% | $4,296+32.3% |