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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 | $145,401 | $81,276+78.9% | $155,574-6.5% | $80,925+79.7% |
| Participation rate | 91.4% | 66.2%+25.2pp | 78.2%+13.2pp | 67.7%+23.8pp |
| Annual return | 15.34% | 33.36%-18.0pp | 64.87%-49.5pp | 35.65%-20.3pp |
| Employer contribution / active EE | $5,714 | $3,103+84.2% | $4,676+22.2% | $2,756+107.3% |
| Participant deferral / active EE | $7,684 | $3,453+122.5% | $5,629+36.5% | $4,299+78.7% |
| Admin fee / account holder | $2,297 | $7,993-71.3% | $15,914-85.6% | $6,940-66.9% |