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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 | $111,643 | $108,825+2.6% | $156,181-28.5% | $82,448+35.4% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 17.90% | 20.59%-2.7pp | 64.87%-47.0pp | 41.64%-23.7pp |
| Employer contribution / active EE | $4,189 | $2,870+46.0% | $4,294-2.4% | $2,551+64.2% |
| Participant deferral / active EE | $5,827 | $4,577+27.3% | $6,132-5.0% | $4,139+40.8% |
| Admin fee / account holder | $607 | $9,341-93.5% | $14,586-95.8% | $7,234-91.6% |