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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 | $126,538 | $108,825+16.3% | $156,181-19.0% | $82,448+53.5% |
| Participation rate | 89.3% | 72.4%+16.9pp | 78.8%+10.5pp | 68.1%+21.2pp |
| Annual return | 18.96% | 20.59%-1.6pp | 64.87%-45.9pp | 41.64%-22.7pp |
| Employer contribution / active EE | $5,056 | $2,870+76.2% | $4,294+17.7% | $2,551+98.2% |
| Participant deferral / active EE | $9,484 | $4,577+107.2% | $6,132+54.7% | $4,139+129.1% |
| Admin fee / account holder | $9,205 | $9,341-1.5% | $14,586-36.9% | $7,234+27.2% |