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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 | $136,528 | $84,236+62.1% | $170,435-19.9% | $70,126+94.7% |
| Participation rate | 97.2% | 70.8%+26.4pp | 83.6%+13.6pp | 69.5%+27.7pp |
| Annual return | 14.42% | 23.06%-8.6pp | 205.94%-191.5pp | 73.15%-58.7pp |
| Employer contribution / active EE | $4,962 | $3,387+46.5% | $5,432-8.7% | $2,343+111.8% |
| Participant deferral / active EE | $5,056 | $3,086+63.8% | $4,939+2.4% | $3,332+51.7% |
| Admin fee / account holder | $2,720 | $5,698-52.3% | $13,881-80.4% | $4,645-41.5% |