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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 | $130,551 | $98,766+32.2% | $149,730-12.8% | $79,852+63.5% |
| Participation rate | 87.5% | 75.8%+11.7pp | 82.5%+5.0pp | 69.6%+17.9pp |
| Annual return | 14.37% | 27.43%-13.1pp | 276.70%-262.3pp | 31.72%-17.3pp |
| Employer contribution / active EE | $5,244 | $3,217+63.0% | $4,645+12.9% | $2,471+112.2% |
| Participant deferral / active EE | $5,823 | $5,681+2.5% | $6,843-14.9% | $3,740+55.7% |
| Admin fee / account holder | $2,807 | $6,052-53.6% | $9,310-69.9% | $5,306-47.1% |