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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 | $116,214 | $88,672+31.1% | $105,223+10.4% | $82,448+41.0% |
| Participation rate | 93.3% | 67.9%+25.4pp | 75.0%+18.3pp | 68.1%+25.3pp |
| Annual return | 14.23% | 30.86%-16.6pp | 180.65%-166.4pp | 41.64%-27.4pp |
| Employer contribution / active EE | $3,066 | $3,048+0.6% | $3,689-16.9% | $2,551+20.2% |
| Participant deferral / active EE | $5,476 | $4,036+35.7% | $5,072+8.0% | $4,139+32.3% |
| Admin fee / account holder | $4,488 | $7,146-37.2% | $8,859-49.3% | $7,234-38.0% |