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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 | $126,526 | $81,358+55.5% | $155,556-18.7% | $80,959+56.3% |
| Participation rate | 96.3% | 66.3%+30.0pp | 78.2%+18.1pp | 67.7%+28.6pp |
| Annual return | 18.79% | 33.39%-14.6pp | 64.84%-46.0pp | 35.67%-16.9pp |
| Employer contribution / active EE | $4,443 | $3,106+43.0% | $4,675-5.0% | $2,757+61.2% |
| Participant deferral / active EE | $4,980 | $3,455+44.1% | $5,631-11.6% | $4,300+15.8% |
| Admin fee / account holder | $6,527 | $7,994-18.4% | $15,885-58.9% | $6,925-5.8% |