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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 | $108,281 | $78,197+38.5% | $98,090+10.4% | $82,637+31.0% |
| Participation rate | 96.0% | 77.5%+18.5pp | 81.5%+14.5pp | 68.1%+27.9pp |
| Annual return | 19.32% | 40.25%-20.9pp | 37.05%-17.7pp | 53.51%-34.2pp |
| Employer contribution / active EE | $5,032 | $2,605+93.2% | $3,606+39.5% | $2,552+97.2% |
| Participant deferral / active EE | $7,488 | $6,636+12.8% | $7,845-4.5% | $4,126+81.5% |
| Admin fee / account holder | $1,752 | $14,832-88.2% | $11,815-85.2% | $7,339-76.1% |