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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 | $176,787 | $101,752+73.7% | $164,928+7.2% | $80,911+118.5% |
| Participation rate | 84.0% | 71.8%+12.2pp | 78.6%+5.4pp | 67.6%+16.4pp |
| Annual return | 15.17% | 16.73%-1.6pp | 70.08%-54.9pp | 35.63%-20.5pp |
| Employer contribution / active EE | $2,268 | $2,953-23.2% | $4,343-47.8% | $2,756-17.7% |
| Participant deferral / active EE | $6,837 | $4,477+52.7% | $6,034+13.3% | $4,297+59.1% |
| Admin fee / account holder | $3,989 | $8,218-51.5% | $12,684-68.6% | $6,935-42.5% |