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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 | $137,972 | $81,331+69.6% | $155,534-11.3% | $80,935+70.5% |
| Participation rate | 96.8% | 66.3%+30.5pp | 78.2%+18.6pp | 67.7%+29.1pp |
| Annual return | 16.43% | 33.37%-16.9pp | 64.92%-48.5pp | 35.66%-19.2pp |
| Employer contribution / active EE | $5,435 | $3,105+75.1% | $4,675+16.3% | $2,757+97.2% |
| Participant deferral / active EE | $4,809 | $3,454+39.2% | $5,630-14.6% | $4,299+11.9% |
| Admin fee / account holder | $5,741 | $7,999-28.2% | $15,900-63.9% | $6,924-17.1% |