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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 | $98,469 | $67,606+45.7% | $82,313+19.6% | $70,124+40.4% |
| Participation rate | 94.6% | 72.8%+21.8pp | 76.9%+17.7pp | 69.5%+25.1pp |
| Annual return | 12.81% | 21.57%-8.8pp | 25.88%-13.1pp | 73.14%-60.3pp |
| Employer contribution / active EE | $6,442 | $1,755+267.1% | $2,428+165.3% | $2,342+175.0% |
| Participant deferral / active EE | $4,535 | $2,987+51.8% | $3,706+22.4% | $3,332+36.1% |
| Admin fee / account holder | $3,291 | $4,512-27.1% | $5,608-41.3% | $4,645-29.2% |