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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 | $99,416 | $77,358+28.5% | $102,184-2.7% | $87,485+13.6% |
| Participation rate | 82.5% | 78.7%+3.8pp | 82.6%-0.1pp | 68.9%+13.6pp |
| Annual return | 23.39% | 41.11%-17.7pp | 31.58%-8.2pp | 26.06%-2.7pp |
| Employer contribution / active EE | $5,152 | $2,562+101.1% | $3,594+43.4% | $2,596+98.5% |
| Participant deferral / active EE | $12,312 | $6,753+82.3% | $8,309+48.2% | $4,274+188.1% |
| Admin fee / account holder | $14,063 | $6,809+106.5% | $11,609+21.1% | $7,775+80.9% |