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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 | $144,852 | $98,776+46.6% | $149,745-3.3% | $79,856+81.4% |
| Participation rate | 92.0% | 75.8%+16.2pp | 82.5%+9.5pp | 69.6%+22.4pp |
| Annual return | 13.33% | 27.38%-14.0pp | 276.72%-263.4pp | 31.71%-18.4pp |
| Employer contribution / active EE | $6,995 | $3,217+117.4% | $4,646+50.6% | $2,471+183.1% |
| Participant deferral / active EE | $14,857 | $5,681+161.5% | $6,843+117.1% | $3,741+297.2% |
| Admin fee / account holder | $11,128 | $6,053+83.9% | $9,312+19.5% | $5,306+109.7% |