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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 | $76,395 | $60,442+26.4% | $96,754-21.0% | $87,485-12.7% |
| Participation rate | 83.8% | 58.7%+25.1pp | 70.3%+13.5pp | 68.9%+14.9pp |
| Annual return | 18.03% | 21.97%-3.9pp | 82.04%-64.0pp | 26.06%-8.0pp |
| Employer contribution / active EE | $12,432 | $1,691+635.3% | $2,679+364.0% | $2,596+378.9% |
| Participant deferral / active EE | $11,900 | $3,280+262.8% | $4,758+150.1% | $4,274+178.4% |
| Admin fee / account holder | $9,326 | $5,069+84.0% | $8,905+4.7% | $7,775+20.0% |