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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 | $106,524+25.1% | $152,301-12.5% | $87,485+52.4% |
| Participation rate | 97.3% | 75.8%+21.5pp | 82.4%+14.8pp | 68.9%+28.4pp |
| Annual return | 16.76% | 26.89%-10.1pp | 80.50%-63.7pp | 26.06%-9.3pp |
| Employer contribution / active EE | $9,338 | $3,371+177.0% | $4,624+101.9% | $2,596+259.7% |
| Participant deferral / active EE | $8,215 | $6,525+25.9% | $8,004+2.6% | $4,274+92.2% |
| Admin fee / account holder | $6,500 | $8,287-21.6% | $14,398-54.9% | $7,775-16.4% |