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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 | $118,676 | $146,267-18.9% | $197,124-39.8% | $82,448+43.9% |
| Participation rate | 96.2% | 84.0%+12.1pp | 86.7%+9.4pp | 68.1%+28.1pp |
| Annual return | 45.78% | 29.61%+16.2pp | 44.34%+1.4pp | 41.64%+4.1pp |
| Employer contribution / active EE | $4,766 | $4,723+0.9% | $6,227-23.5% | $2,551+86.8% |
| Participant deferral / active EE | $11,958 | $7,035+70.0% | $9,135+30.9% | $4,139+188.9% |
| Admin fee / account holder | $1,808 | $14,422-87.5% | $16,298-88.9% | $7,234-75.0% |