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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 | $114,976 | $76,407+50.5% | $150,298-23.5% | $82,448+39.5% |
| Participation rate | 92.0% | 66.4%+25.6pp | 77.8%+14.2pp | 68.1%+23.9pp |
| Annual return | 25.83% | 39.99%-14.2pp | 62.79%-37.0pp | 41.64%-15.8pp |
| Employer contribution / active EE | $5,606 | $2,614+114.5% | $4,154+35.0% | $2,551+119.8% |
| Participant deferral / active EE | $5,678 | $3,214+76.6% | $5,453+4.1% | $4,139+37.2% |
| Admin fee / account holder | $1,574 | $6,352-75.2% | $14,116-88.8% | $7,234-78.2% |