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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 | $126,190 | $83,898+50.4% | $133,346-5.4% | $94,015+34.2% |
| Participation rate | 93.5% | 63.4%+30.2pp | 72.8%+20.7pp | 70.8%+22.7pp |
| Annual return | 13.31% | 16.00%-2.7pp | 36.85%-23.5pp | 17.84%-4.5pp |
| Employer contribution / active EE | $8,063 | $1,821+342.9% | $2,853+182.6% | $2,790+189.0% |
| Participant deferral / active EE | $6,440 | $3,245+98.5% | $4,332+48.7% | $4,249+51.6% |
| Admin fee / account holder | $13,662 | $7,809+75.0% | $14,264-4.2% | $8,951+52.6% |