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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 | $187,752 | $77,358+142.7% | $102,184+83.7% | $87,485+114.6% |
| Participation rate | 81.1% | 78.7%+2.4pp | 82.6%-1.5pp | 68.9%+12.1pp |
| Annual return | 18.51% | 41.11%-22.6pp | 31.58%-13.1pp | 26.06%-7.6pp |
| Employer contribution / active EE | $6,976 | $2,562+172.3% | $3,594+94.1% | $2,596+168.7% |
| Participant deferral / active EE | $14,108 | $6,753+108.9% | $8,309+69.8% | $4,274+230.1% |
| Admin fee / account holder | $809 | $6,809-88.1% | $11,609-93.0% | $7,775-89.6% |