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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 | $120,279 | $76,407+57.4% | $150,298-20.0% | $82,448+45.9% |
| Participation rate | 96.2% | 66.4%+29.8pp | 77.8%+18.4pp | 68.1%+28.1pp |
| Annual return | 16.43% | 39.99%-23.6pp | 62.79%-46.4pp | 41.64%-25.2pp |
| Employer contribution / active EE | $7,049 | $2,614+169.7% | $4,154+69.7% | $2,551+176.3% |
| Participant deferral / active EE | $8,032 | $3,214+149.9% | $5,453+47.3% | $4,139+94.0% |
| Admin fee / account holder | $10,548 | $6,352+66.1% | $14,116-25.3% | $7,234+45.8% |