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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 | $105,241 | $60,442+74.1% | $96,754+8.8% | $87,485+20.3% |
| Participation rate | 87.9% | 58.7%+29.2pp | 70.3%+17.6pp | 68.9%+18.9pp |
| Annual return | 18.05% | 21.97%-3.9pp | 82.04%-64.0pp | 26.06%-8.0pp |
| Employer contribution / active EE | $1,757 | $1,691+3.9% | $2,679-34.4% | $2,596-32.3% |
| Participant deferral / active EE | $4,173 | $3,280+27.2% | $4,758-12.3% | $4,274-2.4% |
| Admin fee / account holder | $5,669 | $5,069+11.8% | $8,905-36.3% | $7,775-27.1% |