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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 | $118,643 | $106,524+11.4% | $152,301-22.1% | $87,485+35.6% |
| Participation rate | 96.6% | 75.8%+20.8pp | 82.4%+14.1pp | 68.9%+27.6pp |
| Annual return | 25.05% | 26.89%-1.8pp | 80.50%-55.5pp | 26.06%-1.0pp |
| Employer contribution / active EE | $8,251 | $3,371+144.7% | $4,624+78.4% | $2,596+217.8% |
| Participant deferral / active EE | $16,776 | $6,525+157.1% | $8,004+109.6% | $4,274+292.6% |
| Admin fee / account holder | $8,960 | $8,287+8.1% | $14,398-37.8% | $7,775+15.2% |