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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 | $127,059 | $81,358+56.2% | $155,556-18.3% | $80,959+56.9% |
| Participation rate | 78.8% | 66.3%+12.5pp | 78.2%+0.6pp | 67.7%+11.1pp |
| Annual return | 13.09% | 33.39%-20.3pp | 64.84%-51.8pp | 35.67%-22.6pp |
| Employer contribution / active EE | $4,565 | $3,106+47.0% | $4,675-2.4% | $2,757+65.6% |
| Participant deferral / active EE | $6,835 | $3,455+97.8% | $5,631+21.4% | $4,300+58.9% |
| Admin fee / account holder | $11,620 | $7,994+45.4% | $15,885-26.8% | $6,925+67.8% |