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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 | $106,524+27.0% | $152,301-11.2% | $87,485+54.7% |
| Participation rate | 96.8% | 75.8%+21.0pp | 82.4%+14.3pp | 68.9%+27.8pp |
| Annual return | 21.17% | 26.89%-5.7pp | 80.50%-59.3pp | 26.06%-4.9pp |
| Employer contribution / active EE | $15,137 | $3,371+349.0% | $4,624+227.3% | $2,596+483.1% |
| Participant deferral / active EE | $18,748 | $6,525+187.3% | $8,004+134.2% | $4,274+338.7% |
| Admin fee / account holder | $12,640 | $8,287+52.5% | $14,398-12.2% | $7,775+62.6% |