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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 | $115,389 | $78,428+47.1% | $95,960+20.2% | $79,852+44.5% |
| Participation rate | 82.1% | 73.5%+8.7pp | 77.1%+5.1pp | 69.6%+12.5pp |
| Annual return | 13.26% | 19.37%-6.1pp | 91.63%-78.4pp | 31.72%-18.5pp |
| Employer contribution / active EE | $2,356 | $1,945+21.1% | $2,541-7.3% | $2,471-4.7% |
| Participant deferral / active EE | $4,508 | $3,440+31.0% | $4,167+8.2% | $3,740+20.5% |
| Admin fee / account holder | $7,530 | $5,622+33.9% | $6,797+10.8% | $5,306+41.9% |