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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 | $133,290 | $106,749+24.9% | $145,433-8.3% | $82,448+61.7% |
| Participation rate | 97.3% | 75.6%+21.6pp | 82.1%+15.2pp | 68.1%+29.2pp |
| Annual return | 16.76% | 27.59%-10.8pp | 66.58%-49.8pp | 41.64%-24.9pp |
| Employer contribution / active EE | $9,338 | $3,444+171.1% | $4,554+105.0% | $2,551+266.1% |
| Participant deferral / active EE | $8,215 | $6,519+26.0% | $7,897+4.0% | $4,139+98.5% |
| Admin fee / account holder | $6,500 | $8,390-22.5% | $13,129-50.5% | $7,234-10.2% |