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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 | $132,269 | $106,864+23.8% | $147,318-10.2% | $82,637+60.1% |
| Participation rate | 97.3% | 75.5%+21.8pp | 82.1%+15.2pp | 68.1%+29.2pp |
| Annual return | 18.83% | 27.49%-8.7pp | 70.43%-51.6pp | 53.51%-34.7pp |
| Employer contribution / active EE | $6,948 | $3,417+103.4% | $4,593+51.3% | $2,552+172.2% |
| Participant deferral / active EE | $11,162 | $6,496+71.8% | $7,906+41.2% | $4,126+170.5% |
| Admin fee / account holder | $4,681 | $8,415-44.4% | $13,708-65.8% | $7,339-36.2% |