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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 | $123,017 | $89,370+37.6% | $141,197-12.9% | $72,976+68.6% |
| Participation rate | 76.6% | 75.1%+1.4pp | 82.5%-5.9pp | 69.5%+7.1pp |
| Annual return | 26.40% | 111.88%-85.5pp | 71.41%-45.0pp | 81.02%-54.6pp |
| Employer contribution / active EE | $3,832 | $3,115+23.0% | $4,736-19.1% | $2,440+57.0% |
| Participant deferral / active EE | $7,722 | $5,419+42.5% | $6,710+15.1% | $3,608+114.0% |
| Admin fee / account holder | $5,921 | $5,957-0.6% | $10,265-42.3% | $5,124+15.6% |