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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 | $135,302 | $106,749+26.7% | $145,433-7.0% | $82,448+64.1% |
| Participation rate | 96.8% | 75.6%+21.1pp | 82.1%+14.7pp | 68.1%+28.7pp |
| Annual return | 21.17% | 27.59%-6.4pp | 66.58%-45.4pp | 41.64%-20.5pp |
| Employer contribution / active EE | $15,137 | $3,444+339.5% | $4,554+232.4% | $2,551+493.4% |
| Participant deferral / active EE | $18,748 | $6,519+187.6% | $7,897+137.4% | $4,139+352.9% |
| Admin fee / account holder | $12,640 | $8,390+50.7% | $13,129-3.7% | $7,234+74.7% |