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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 | $138,786 | $56,110+147.3% | $94,993+46.1% | $70,126+97.9% |
| Participation rate | 92.9% | 65.0%+27.9pp | 73.9%+19.0pp | 69.5%+23.3pp |
| Annual return | 13.70% | 51.02%-37.3pp | 27.14%-13.4pp | 73.15%-59.4pp |
| Employer contribution / active EE | $1,654 | $1,442+14.7% | $2,603-36.5% | $2,343-29.4% |
| Participant deferral / active EE | $3,618 | $2,391+51.3% | $3,317+9.1% | $3,332+8.6% |
| Admin fee / account holder | $3,991 | $3,456+15.5% | $4,960-19.5% | $4,645-14.1% |