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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 | $71,353+51.8% | $92,805+16.7% | $86,983+24.5% |
| Participation rate | 96.0% | 80.9%+15.1pp | 83.5%+12.5pp | 69.5%+26.5pp |
| Annual return | 19.32% | 44.68%-25.4pp | 31.59%-12.3pp | 25.83%-6.5pp |
| Employer contribution / active EE | $5,032 | $2,468+103.9% | $3,424+46.9% | $2,584+94.7% |
| Participant deferral / active EE | $7,488 | $6,966+7.5% | $8,448-11.4% | $4,194+78.5% |
| Admin fee / account holder | $1,752 | $6,099-71.3% | $10,911-83.9% | $7,856-77.7% |