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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 | $104,307 | $96,731+7.8% | $123,973-15.9% | $86,983+19.9% |
| Participation rate | 96.6% | 70.0%+26.5pp | 76.7%+19.9pp | 69.5%+27.0pp |
| Annual return | 15.13% | 17.33%-2.2pp | 388.13%-373.0pp | 25.83%-10.7pp |
| Employer contribution / active EE | $4,601 | $3,297+39.6% | $4,126+11.5% | $2,584+78.0% |
| Participant deferral / active EE | $4,252 | $4,152+2.4% | $5,247-19.0% | $4,194+1.4% |
| Admin fee / account holder | $9,488 | $8,722+8.8% | $11,799-19.6% | $7,856+20.8% |