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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 | $130,719 | $77,638+68.4% | $156,551-16.5% | $62,881+107.9% |
| Participation rate | 97.1% | 71.2%+25.9pp | 84.0%+13.0pp | 69.3%+27.8pp |
| Annual return | 6.78% | 50.33%-43.6pp | 32.23%-25.5pp | 20.14%-13.4pp |
| Employer contribution / active EE | $6,822 | $3,444+98.1% | $5,501+24.0% | $2,281+199.1% |
| Participant deferral / active EE | $4,328 | $3,046+42.1% | $4,871-11.2% | $3,203+35.1% |
| Admin fee / account holder | $738 | $5,561-86.7% | $13,028-94.3% | $4,296-82.8% |