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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 | $127,661 | $98,776+29.2% | $149,745-14.7% | $79,856+59.9% |
| Participation rate | 94.1% | 75.8%+18.3pp | 82.5%+11.6pp | 69.6%+24.5pp |
| Annual return | 22.37% | 27.38%-5.0pp | 276.72%-254.4pp | 31.71%-9.3pp |
| Employer contribution / active EE | $4,627 | $3,217+43.8% | $4,646-0.4% | $2,471+87.2% |
| Participant deferral / active EE | $5,099 | $5,681-10.2% | $6,843-25.5% | $3,741+36.3% |
| Admin fee / account holder | $2,087 | $6,053-65.5% | $9,312-77.6% | $5,306-60.7% |