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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 | $55,930+74.1% | $76,089+28.0% | $80,925+20.3% |
| Participation rate | 75.0% | 62.1%+12.9pp | 69.1%+5.9pp | 67.7%+7.3pp |
| Annual return | 11.31% | 20.58%-9.3pp | 360.94%-349.6pp | 35.65%-24.3pp |
| Employer contribution / active EE | $2,429 | $1,866+30.2% | $2,690-9.7% | $2,756-11.9% |
| Participant deferral / active EE | $4,720 | $3,051+54.7% | $4,259+10.8% | $4,299+9.8% |
| Admin fee / account holder | $7,468 | $5,241+42.5% | $6,418+16.4% | $6,940+7.6% |