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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 | $203,684 | $101,795+100.1% | $165,100+23.4% | $80,959+151.6% |
| Participation rate | 96.3% | 71.8%+24.5pp | 78.6%+17.7pp | 67.7%+28.6pp |
| Annual return | 13.75% | 16.73%-3.0pp | 70.21%-56.5pp | 35.67%-21.9pp |
| Employer contribution / active EE | $2,140 | $2,954-27.5% | $4,348-50.8% | $2,757-22.4% |
| Participant deferral / active EE | $5,088 | $4,476+13.7% | $6,035-15.7% | $4,300+18.3% |
| Admin fee / account holder | $1,763 | $8,221-78.6% | $12,696-86.1% | $6,925-74.5% |