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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 | $118,665 | $106,749+11.2% | $145,433-18.4% | $82,448+43.9% |
| Participation rate | 90.7% | 75.6%+15.1pp | 82.1%+8.6pp | 68.1%+22.7pp |
| Annual return | 16.93% | 27.59%-10.7pp | 66.58%-49.6pp | 41.64%-24.7pp |
| Employer contribution / active EE | $6,664 | $3,444+93.5% | $4,554+46.3% | $2,551+161.3% |
| Participant deferral / active EE | $15,459 | $6,519+137.1% | $7,897+95.7% | $4,139+273.5% |
| Admin fee / account holder | $22,341 | $8,390+166.3% | $13,129+70.2% | $7,234+208.8% |