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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 | $78,197+39.8% | $98,090+11.4% | $82,637+32.2% |
| Participation rate | 92.0% | 77.5%+14.5pp | 81.5%+10.5pp | 68.1%+23.9pp |
| Annual return | 23.38% | 40.25%-16.9pp | 37.05%-13.7pp | 53.51%-30.1pp |
| Employer contribution / active EE | $12,418 | $2,605+376.8% | $3,606+244.3% | $2,552+386.6% |
| Participant deferral / active EE | $10,207 | $6,636+53.8% | $7,845+30.1% | $4,126+147.4% |
| Admin fee / account holder | $5,457 | $14,832-63.2% | $11,815-53.8% | $7,339-25.6% |