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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 | $132,073 | $106,749+23.7% | $145,433-9.2% | $82,448+60.2% |
| Participation rate | 91.2% | 75.6%+15.5pp | 82.1%+9.1pp | 68.1%+23.1pp |
| Annual return | 15.58% | 27.59%-12.0pp | 66.58%-51.0pp | 41.64%-26.1pp |
| Employer contribution / active EE | $10,346 | $3,444+200.4% | $4,554+127.2% | $2,551+305.6% |
| Participant deferral / active EE | $13,222 | $6,519+102.8% | $7,897+67.4% | $4,139+219.4% |
| Admin fee / account holder | $10,141 | $8,390+20.9% | $13,129-22.8% | $7,234+40.2% |