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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 | $108,748 | $86,288+26.0% | $111,306-2.3% | $85,851+26.7% |
| Participation rate | 88.2% | 73.3%+14.9pp | 77.3%+10.9pp | 69.3%+18.9pp |
| Annual return | 14.66% | 19.99%-5.3pp | 54.67%-40.0pp | 318.63%-304.0pp |
| Employer contribution / active EE | $4,724 | $2,044+131.1% | $2,732+72.9% | $2,565+84.1% |
| Participant deferral / active EE | $5,169 | $3,641+42.0% | $4,488+15.2% | $3,952+30.8% |
| Admin fee / account holder | $4,242 | $8,189-48.2% | $7,966-46.7% | $6,261-32.2% |