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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 | $70,916 | $106,749-33.6% | $145,433-51.2% | $82,448-14.0% |
| Participation rate | 95.1% | 75.6%+19.5pp | 82.1%+13.0pp | 68.1%+27.1pp |
| Annual return | 22.62% | 27.59%-5.0pp | 66.58%-44.0pp | 41.64%-19.0pp |
| Employer contribution / active EE | $4,443 | $3,444+29.0% | $4,554-2.4% | $2,551+74.2% |
| Participant deferral / active EE | $13,106 | $6,519+101.1% | $7,897+65.9% | $4,139+216.6% |
| Admin fee / account holder | $4,822 | $8,390-42.5% | $13,129-63.3% | $7,234-33.3% |