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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 | $113,368 | $99,633+13.8% | $183,328-38.2% | $82,448+37.5% |
| Participation rate | 97.1% | 70.8%+26.3pp | 77.3%+19.7pp | 68.1%+29.0pp |
| Annual return | 19.29% | 17.84%+1.4pp | 29.67%-10.4pp | 41.64%-22.3pp |
| Employer contribution / active EE | $9,839 | $3,256+202.1% | $5,055+94.6% | $2,551+285.7% |
| Participant deferral / active EE | $15,495 | $4,938+213.8% | $6,795+128.0% | $4,139+274.3% |
| Admin fee / account holder | $3,696 | $9,934-62.8% | $21,427-82.8% | $7,234-48.9% |