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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 | $136,230 | $106,864+27.5% | $147,318-7.5% | $82,637+64.9% |
| Participation rate | 84.0% | 75.5%+8.5pp | 82.1%+1.9pp | 68.1%+15.9pp |
| Annual return | 20.74% | 27.49%-6.7pp | 70.43%-49.7pp | 53.51%-32.8pp |
| Employer contribution / active EE | $13,211 | $3,417+286.7% | $4,593+187.6% | $2,552+417.7% |
| Participant deferral / active EE | $13,634 | $6,496+109.9% | $7,906+72.4% | $4,126+230.4% |
| Admin fee / account holder | $4,867 | $8,415-42.2% | $13,708-64.5% | $7,339-33.7% |