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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 | $114,418 | $77,920+46.8% | $149,723-23.6% | $75,177+52.2% |
| Participation rate | 96.4% | 65.6%+30.8pp | 78.8%+17.6pp | 67.2%+29.2pp |
| Annual return | 15.57% | 31.72%-16.2pp | 134.50%-118.9pp | 160.75%-145.2pp |
| Employer contribution / active EE | $4,475 | $3,138+42.6% | $4,821-7.2% | $2,671+67.5% |
| Participant deferral / active EE | $4,188 | $3,411+22.8% | $5,682-26.3% | $4,126+1.5% |
| Admin fee / account holder | $905 | $5,951-84.8% | $13,215-93.2% | $5,651-84.0% |