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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 | $168,853 | $146,267+15.4% | $197,124-14.3% | $82,448+104.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 86.7%+13.3pp | 68.1%+31.9pp |
| Annual return | 19.76% | 29.61%-9.9pp | 44.34%-24.6pp | 41.64%-21.9pp |
| Employer contribution / active EE | $8,630 | $4,723+82.7% | $6,227+38.6% | $2,551+238.3% |
| Participant deferral / active EE | $10,954 | $7,035+55.7% | $9,135+19.9% | $4,139+164.6% |
| Admin fee / account holder | $23,518 | $14,422+63.1% | $16,298+44.3% | $7,234+225.1% |