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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 | $57,590+32.7% | $86,233-11.4% | $82,448-7.3% |
| Participation rate | 83.8% | 57.9%+25.9pp | 69.0%+14.8pp | 68.1%+15.7pp |
| Annual return | 18.03% | 22.41%-4.4pp | 61.39%-43.4pp | 41.64%-23.6pp |
| Employer contribution / active EE | $12,432 | $1,655+651.1% | $2,504+396.4% | $2,551+387.4% |
| Participant deferral / active EE | $11,900 | $3,080+286.4% | $4,559+161.0% | $4,139+187.5% |
| Admin fee / account holder | $9,326 | $4,730+97.2% | $8,342+11.8% | $7,234+28.9% |