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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 | $134,673 | $73,787+82.5% | $98,716+36.4% | $82,448+63.3% |
| Participation rate | 94.6% | 61.4%+33.2pp | 69.3%+25.3pp | 68.1%+26.6pp |
| Annual return | 13.94% | 18.57%-4.6pp | 31.81%-17.9pp | 41.64%-27.7pp |
| Employer contribution / active EE | $6,439 | $1,511+326.1% | $2,279+182.6% | $2,551+152.4% |
| Participant deferral / active EE | $6,607 | $3,081+114.4% | $4,048+63.2% | $4,139+59.6% |
| Admin fee / account holder | $10,403 | $6,500+60.0% | $8,703+19.5% | $7,234+43.8% |