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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 | $119,716 | $99,875+19.9% | $146,866-18.5% | $86,983+37.6% |
| Participation rate | 96.3% | 75.8%+20.5pp | 82.5%+13.8pp | 69.5%+26.8pp |
| Annual return | 17.45% | 28.10%-10.6pp | 102.85%-85.4pp | 25.83%-8.4pp |
| Employer contribution / active EE | $4,323 | $3,224+34.1% | $4,425-2.3% | $2,584+67.3% |
| Participant deferral / active EE | $12,521 | $6,322+98.0% | $7,759+61.4% | $4,194+198.6% |
| Admin fee / account holder | $3,820 | $7,838-51.3% | $13,620-72.0% | $7,856-51.4% |