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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 | $137,618 | $96,731+42.3% | $123,973+11.0% | $86,983+58.2% |
| Participation rate | 89.9% | 70.0%+19.9pp | 76.7%+13.2pp | 69.5%+20.3pp |
| Annual return | 12.73% | 17.33%-4.6pp | 388.13%-375.4pp | 25.83%-13.1pp |
| Employer contribution / active EE | $3,155 | $3,297-4.3% | $4,126-23.5% | $2,584+22.1% |
| Participant deferral / active EE | $8,921 | $4,152+114.9% | $5,247+70.0% | $4,194+112.7% |
| Admin fee / account holder | $8,001 | $8,722-8.3% | $11,799-32.2% | $7,856+1.8% |