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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 | $109,286 | $78,520+39.2% | $96,576+13.2% | $82,448+32.6% |
| Participation rate | 92.0% | 77.7%+14.3pp | 81.4%+10.6pp | 68.1%+23.9pp |
| Annual return | 23.38% | 41.30%-17.9pp | 38.47%-15.1pp | 41.64%-18.3pp |
| Employer contribution / active EE | $12,418 | $2,630+372.3% | $3,553+249.5% | $2,551+386.8% |
| Participant deferral / active EE | $10,207 | $6,754+51.1% | $7,956+28.3% | $4,139+146.6% |
| Admin fee / account holder | $5,457 | $13,455-59.4% | $11,381-52.1% | $7,234-24.6% |