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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 | $136,338 | $138,366-1.5% | $184,185-26.0% | $80,911+68.5% |
| Participation rate | 97.1% | 83.9%+13.2pp | 86.8%+10.2pp | 67.6%+29.4pp |
| Annual return | 12.87% | 20.02%-7.2pp | 28.81%-15.9pp | 35.63%-22.8pp |
| Employer contribution / active EE | $14,213 | $4,849+193.1% | $6,426+121.2% | $2,756+415.8% |
| Participant deferral / active EE | $13,716 | $7,074+93.9% | $9,132+50.2% | $4,297+219.2% |
| Admin fee / account holder | $4,879 | $10,484-53.5% | $13,909-64.9% | $6,935-29.6% |