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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 | $128,316 | $87,878+46.0% | $97,411+31.7% | $82,637+55.3% |
| Participation rate | 96.5% | 75.6%+20.9pp | 80.4%+16.1pp | 68.1%+28.4pp |
| Annual return | 15.06% | 54.63%-39.6pp | 34.72%-19.7pp | 53.51%-38.4pp |
| Employer contribution / active EE | $4,617 | $3,800+21.5% | $4,210+9.7% | $2,552+80.9% |
| Participant deferral / active EE | $7,819 | $5,525+41.5% | $5,886+32.8% | $4,126+89.5% |
| Admin fee / account holder | $2,023 | $6,743-70.0% | $7,145-71.7% | $7,339-72.4% |