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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 | $119,300 | $99,875+19.4% | $146,866-18.8% | $86,983+37.2% |
| Participation rate | 87.0% | 75.8%+11.2pp | 82.5%+4.5pp | 69.5%+17.5pp |
| Annual return | 18.56% | 28.10%-9.5pp | 102.85%-84.3pp | 25.83%-7.3pp |
| Employer contribution / active EE | $4,824 | $3,224+49.6% | $4,425+9.0% | $2,584+86.6% |
| Participant deferral / active EE | $12,819 | $6,322+102.8% | $7,759+65.2% | $4,194+205.7% |
| Admin fee / account holder | $7,716 | $7,838-1.5% | $13,620-43.3% | $7,856-1.8% |