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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 | $196,505 | $135,956+44.5% | $123,894+58.6% | $273,972-28.3% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 5.39% | 56.63%-51.2pp | 47.52%-42.1pp | 41.46%-36.1pp |
| Employer contribution / active EE | $4,400 | $5,170-14.9% | $4,617-4.7% | $4,869-9.6% |
| Participant deferral / active EE | $5,718 | $6,343-9.9% | $5,984-4.5% | $5,287+8.1% |
| Admin fee / account holder | $3,020 | $9,817-69.2% | $8,357-63.9% | $10,133-70.2% |