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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 | $97,358 | $56,060+73.7% | $76,002+28.1% | $80,874+20.4% |
| Participation rate | 75.0% | 62.0%+13.0pp | 69.1%+5.9pp | 67.6%+7.4pp |
| Annual return | 11.31% | 20.54%-9.2pp | 360.07%-348.8pp | 35.62%-24.3pp |
| Employer contribution / active EE | $2,429 | $1,873+29.7% | $2,688-9.6% | $2,756-11.9% |
| Participant deferral / active EE | $4,720 | $3,051+54.7% | $4,257+10.9% | $4,297+9.8% |
| Admin fee / account holder | $7,468 | $5,237+42.6% | $6,414+16.4% | $6,935+7.7% |