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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 | $105,943 | $54,541+94.2% | $78,778+34.5% | $70,126+51.1% |
| Participation rate | 80.5% | 60.8%+19.7pp | 69.2%+11.3pp | 69.5%+10.9pp |
| Annual return | 18.62% | 21.07%-2.5pp | 35.62%-17.0pp | 73.15%-54.5pp |
| Employer contribution / active EE | $4,361 | $1,089+300.6% | $1,986+119.6% | $2,343+86.2% |
| Participant deferral / active EE | $7,376 | $2,210+233.7% | $2,958+149.3% | $3,332+121.4% |
| Admin fee / account holder | $1,669 | $3,709-55.0% | $5,134-67.5% | $4,645-64.1% |