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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 | $130,750 | $201,372-35.1% | $184,260-29.0% | $145,884-10.4% |
| Participation rate | 95.7% | 87.5%+8.2pp | 86.8%+8.8pp | 80.3%+15.3pp |
| Annual return | 12.08% | 29.04%-17.0pp | 28.84%-16.8pp | 551.85%-539.8pp |
| Employer contribution / active EE | $4,578 | $7,024-34.8% | $6,427-28.8% | $4,662-1.8% |
| Participant deferral / active EE | $11,939 | $9,808+21.7% | $9,133+30.7% | $6,690+78.5% |
| Admin fee / account holder | $15,463 | $16,362-5.5% | $13,898+11.3% | $13,392+15.5% |