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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 | $120,719 | $101,752+18.6% | $164,928-26.8% | $80,911+49.2% |
| Participation rate | 91.7% | 71.8%+19.8pp | 78.6%+13.0pp | 67.6%+24.0pp |
| Annual return | 11.07% | 16.73%-5.7pp | 70.08%-59.0pp | 35.63%-24.6pp |
| Employer contribution / active EE | $2,585 | $2,953-12.5% | $4,343-40.5% | $2,756-6.2% |
| Participant deferral / active EE | $4,629 | $4,477+3.4% | $6,034-23.3% | $4,297+7.7% |
| Admin fee / account holder | $9,047 | $8,218+10.1% | $12,684-28.7% | $6,935+30.5% |