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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 | $176,048 | $54,541+222.8% | $78,778+123.5% | $70,126+151.0% |
| Participation rate | 100.0% | 60.8%+39.2pp | 69.2%+30.8pp | 69.5%+30.5pp |
| Annual return | 17.75% | 21.07%-3.3pp | 35.62%-17.9pp | 73.15%-55.4pp |
| Employer contribution / active EE | $1,877 | $1,089+72.4% | $1,986-5.5% | $2,343-19.9% |
| Participant deferral / active EE | $4,106 | $2,210+85.8% | $2,958+38.8% | $3,332+23.2% |
| Admin fee / account holder | $5,498 | $3,709+48.3% | $5,134+7.1% | $4,645+18.4% |