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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 | $116,748 | $90,400+29.1% | $186,193-37.3% | $87,485+33.4% |
| Participation rate | 92.9% | 66.2%+26.7pp | 77.1%+15.7pp | 68.9%+23.9pp |
| Annual return | 13.66% | 22.15%-8.5pp | 78.03%-64.4pp | 26.06%-12.4pp |
| Employer contribution / active EE | $4,211 | $2,170+94.0% | $3,918+7.5% | $2,596+62.2% |
| Participant deferral / active EE | $7,969 | $4,330+84.1% | $6,513+22.4% | $4,274+86.5% |
| Admin fee / account holder | $856 | $8,673-90.1% | $11,058-92.3% | $7,775-89.0% |