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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 | $152,601 | $58,493+160.9% | $84,023+81.6% | $72,976+109.1% |
| Participation rate | 96.7% | 61.2%+35.4pp | 69.0%+27.6pp | 69.5%+27.2pp |
| Annual return | 26.02% | 28.93%-2.9pp | 71.32%-45.3pp | 81.02%-55.0pp |
| Employer contribution / active EE | $1,863 | $1,163+60.2% | $1,984-6.1% | $2,440-23.6% |
| Participant deferral / active EE | $3,968 | $2,394+65.8% | $3,239+22.5% | $3,608+10.0% |
| Admin fee / account holder | $1,230 | $4,569-73.1% | $6,102-79.8% | $5,124-76.0% |