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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 | $121,592 | $77,638+56.6% | $156,551-22.3% | $62,881+93.4% |
| Participation rate | 96.6% | 71.2%+25.4pp | 84.0%+12.5pp | 69.3%+27.2pp |
| Annual return | 7.20% | 50.33%-43.1pp | 32.23%-25.0pp | 20.14%-12.9pp |
| Employer contribution / active EE | $6,426 | $3,444+86.6% | $5,501+16.8% | $2,281+181.7% |
| Participant deferral / active EE | $4,709 | $3,046+54.6% | $4,871-3.3% | $3,203+47.0% |
| Admin fee / account holder | $3,114 | $5,561-44.0% | $13,028-76.1% | $4,296-27.5% |