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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 | $130,608 | $78,682+66.0% | $109,188+19.6% | $85,851+52.1% |
| Participation rate | 97.0% | 68.3%+28.7pp | 75.9%+21.1pp | 69.3%+27.6pp |
| Annual return | 27.35% | 25.09%+2.3pp | 25.76%+1.6pp | 318.63%-291.3pp |
| Employer contribution / active EE | $12,746 | $2,734+366.2% | $3,723+242.4% | $2,565+396.8% |
| Participant deferral / active EE | $5,790 | $3,468+67.0% | $4,654+24.4% | $3,952+46.5% |
| Admin fee / account holder | $6,099 | $5,470+11.5% | $6,755-9.7% | $6,261-2.6% |