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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 | $107,880 | $65,367+65.0% | $92,915+16.1% | $72,976+47.8% |
| Participation rate | 78.0% | 68.3%+9.7pp | 76.0%+2.0pp | 69.5%+8.6pp |
| Annual return | 20.15% | 42.11%-22.0pp | 109.45%-89.3pp | 81.02%-60.9pp |
| Employer contribution / active EE | $2,309 | $2,594-11.0% | $3,653-36.8% | $2,440-5.4% |
| Participant deferral / active EE | $4,321 | $3,128+38.1% | $4,238+2.0% | $3,608+19.8% |
| Admin fee / account holder | $454 | $4,251-89.3% | $5,796-92.2% | $5,124-91.1% |