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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 | $134,311 | $85,171+57.7% | $172,752-22.3% | $72,975+84.0% |
| Participation rate | 86.1% | 70.1%+16.0pp | 82.6%+3.5pp | 69.5%+16.6pp |
| Annual return | 18.09% | 27.32%-9.2pp | 802.97%-784.9pp | 81.01%-62.9pp |
| Employer contribution / active EE | $4,097 | $3,324+23.3% | $5,144-20.3% | $2,440+67.9% |
| Participant deferral / active EE | $4,122 | $3,260+26.4% | $5,198-20.7% | $3,608+14.2% |
| Admin fee / account holder | $1,210 | $5,880-79.4% | $13,955-91.3% | $5,124-76.4% |