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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 | $131,873 | $105,284+25.3% | $150,734-12.5% | $94,015+40.3% |
| Participation rate | 96.2% | 71.7%+24.4pp | 78.4%+17.7pp | 70.8%+25.3pp |
| Annual return | 11.18% | 15.67%-4.5pp | 600.81%-589.6pp | 17.84%-6.7pp |
| Employer contribution / active EE | $8,706 | $3,599+141.9% | $4,918+77.0% | $2,790+212.0% |
| Participant deferral / active EE | $4,206 | $4,274-1.6% | $5,610-25.0% | $4,249-1.0% |
| Admin fee / account holder | $12,526 | $9,839+27.3% | $14,905-16.0% | $8,951+39.9% |