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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 | $139,257 | $108,825+28.0% | $156,181-10.8% | $82,448+68.9% |
| Participation rate | 88.9% | 72.4%+16.5pp | 78.8%+10.1pp | 68.1%+20.8pp |
| Annual return | 14.35% | 20.59%-6.2pp | 64.87%-50.5pp | 41.64%-27.3pp |
| Employer contribution / active EE | $7,436 | $2,870+159.1% | $4,294+73.2% | $2,551+191.5% |
| Participant deferral / active EE | $6,379 | $4,577+39.4% | $6,132+4.0% | $4,139+54.1% |
| Admin fee / account holder | $8,385 | $9,341-10.2% | $14,586-42.5% | $7,234+15.9% |