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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 | $81,276+56.3% | $155,574-18.3% | $80,925+57.0% |
| Participation rate | 78.8% | 66.2%+12.5pp | 78.2%+0.6pp | 67.7%+11.1pp |
| Annual return | 13.09% | 33.36%-20.3pp | 64.87%-51.8pp | 35.65%-22.6pp |
| Employer contribution / active EE | $4,565 | $3,103+47.1% | $4,676-2.4% | $2,756+65.6% |
| Participant deferral / active EE | $6,835 | $3,453+97.9% | $5,629+21.4% | $4,299+59.0% |
| Admin fee / account holder | $11,620 | $7,993+45.4% | $15,914-27.0% | $6,940+67.4% |