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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 | $128,837 | $93,345+38.0% | $119,126+8.2% | $87,485+47.3% |
| Participation rate | 93.9% | 68.7%+25.1pp | 75.8%+18.1pp | 68.9%+24.9pp |
| Annual return | 14.45% | 19.08%-4.6pp | 282.11%-267.7pp | 26.06%-11.6pp |
| Employer contribution / active EE | $3,164 | $3,172-0.3% | $4,034-21.6% | $2,596+21.9% |
| Participant deferral / active EE | $4,263 | $4,099+4.0% | $5,318-19.8% | $4,274-0.2% |
| Admin fee / account holder | $4,065 | $8,039-49.4% | $10,693-62.0% | $7,775-47.7% |