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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 | $84,565 | $81,476+3.8% | $102,383-17.4% | $80,925+4.5% |
| Participation rate | 95.2% | 66.8%+28.4pp | 74.5%+20.7pp | 67.7%+27.6pp |
| Annual return | 12.02% | 25.59%-13.6pp | 24.94%-12.9pp | 35.65%-23.6pp |
| Employer contribution / active EE | $11,788 | $3,105+279.7% | $3,870+204.6% | $2,756+327.7% |
| Participant deferral / active EE | $2,783 | $3,871-28.1% | $5,060-45.0% | $4,299-35.2% |
| Admin fee / account holder | $17,617 | $6,717+162.3% | $8,391+109.9% | $6,940+153.9% |