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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 | $135,556 | $78,197+73.4% | $98,090+38.2% | $82,637+64.0% |
| Participation rate | 88.2% | 77.5%+10.8pp | 81.5%+6.7pp | 68.1%+20.2pp |
| Annual return | 17.26% | 40.25%-23.0pp | 37.05%-19.8pp | 53.51%-36.2pp |
| Employer contribution / active EE | $4,383 | $2,605+68.3% | $3,606+21.5% | $2,552+71.7% |
| Participant deferral / active EE | $5,953 | $6,636-10.3% | $7,845-24.1% | $4,126+44.3% |
| Admin fee / account holder | $835 | $14,832-94.4% | $11,815-92.9% | $7,339-88.6% |