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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 | $81,233+55.8% | $155,567-18.7% | $80,874+56.4% |
| Participation rate | 96.3% | 66.2%+30.1pp | 78.2%+18.1pp | 67.6%+28.6pp |
| Annual return | 18.79% | 33.33%-14.5pp | 64.74%-45.9pp | 35.62%-16.8pp |
| Employer contribution / active EE | $4,443 | $3,101+43.3% | $4,674-4.9% | $2,756+61.2% |
| Participant deferral / active EE | $4,980 | $3,452+44.3% | $5,628-11.5% | $4,297+15.9% |
| Admin fee / account holder | $6,527 | $7,998-18.4% | $15,916-59.0% | $6,935-5.9% |