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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 | $133,683 | $76,407+75.0% | $150,298-11.1% | $82,448+62.1% |
| Participation rate | 88.9% | 66.4%+22.5pp | 77.8%+11.1pp | 68.1%+20.8pp |
| Annual return | 21.83% | 39.99%-18.2pp | 62.79%-41.0pp | 41.64%-19.8pp |
| Employer contribution / active EE | $4,071 | $2,614+55.7% | $4,154-2.0% | $2,551+59.6% |
| Participant deferral / active EE | $4,438 | $3,214+38.1% | $5,453-18.6% | $4,139+7.2% |
| Admin fee / account holder | $7,462 | $6,352+17.5% | $14,116-47.1% | $7,234+3.1% |