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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 | $99,875+33.5% | $146,866-9.2% | $86,983+53.2% |
| Participation rate | 97.3% | 75.8%+21.5pp | 82.5%+14.8pp | 69.5%+27.8pp |
| Annual return | 16.76% | 28.10%-11.3pp | 102.85%-86.1pp | 25.83%-9.1pp |
| Employer contribution / active EE | $9,338 | $3,224+189.6% | $4,425+111.0% | $2,584+261.3% |
| Participant deferral / active EE | $8,215 | $6,322+29.9% | $7,759+5.9% | $4,194+95.9% |
| Admin fee / account holder | $6,500 | $7,838-17.1% | $13,620-52.3% | $7,856-17.3% |