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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 | $125,028 | $57,140+118.8% | $85,240+46.7% | $80,959+54.4% |
| Participation rate | 100.0% | 56.4%+43.6pp | 67.5%+32.5pp | 67.7%+32.3pp |
| Annual return | 16.84% | 21.71%-4.9pp | 66.75%-49.9pp | 35.67%-18.8pp |
| Employer contribution / active EE | $2,886 | $1,802+60.2% | $2,735+5.5% | $2,757+4.7% |
| Participant deferral / active EE | $5,000 | $3,115+60.5% | $4,527+10.5% | $4,300+16.3% |
| Admin fee / account holder | $6,419 | $4,992+28.6% | $6,165+4.1% | $6,925-7.3% |