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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 | $119,708 | $77,638+54.2% | $156,551-23.5% | $62,881+90.4% |
| Participation rate | 82.1% | 71.2%+10.9pp | 84.0%-1.9pp | 69.3%+12.8pp |
| Annual return | 12.74% | 50.33%-37.6pp | 32.23%-19.5pp | 20.14%-7.4pp |
| Employer contribution / active EE | $9,323 | $3,444+170.7% | $5,501+69.5% | $2,281+308.8% |
| Participant deferral / active EE | $4,790 | $3,046+57.3% | $4,871-1.7% | $3,203+49.6% |
| Admin fee / account holder | $1,029 | $5,561-81.5% | $13,028-92.1% | $4,296-76.1% |