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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 | $109,778 | $106,749+2.8% | $145,433-24.5% | $82,448+33.1% |
| Participation rate | 89.7% | 75.6%+14.1pp | 82.1%+7.6pp | 68.1%+21.7pp |
| Annual return | 19.54% | 27.59%-8.0pp | 66.58%-47.0pp | 41.64%-22.1pp |
| Employer contribution / active EE | $8,126 | $3,444+135.9% | $4,554+78.4% | $2,551+218.5% |
| Participant deferral / active EE | $4,460 | $6,519-31.6% | $7,897-43.5% | $4,139+7.8% |
| Admin fee / account holder | $1,924 | $8,390-77.1% | $13,129-85.3% | $7,234-73.4% |