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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 | $163,370 | $78,690+107.6% | $161,489+1.2% | $87,485+86.7% |
| Participation rate | 96.2% | 67.5%+28.7pp | 78.7%+17.5pp | 68.9%+27.2pp |
| Annual return | 14.68% | 32.74%-18.1pp | 89.72%-75.0pp | 26.06%-11.4pp |
| Employer contribution / active EE | $5,026 | $2,588+94.2% | $4,268+17.8% | $2,596+93.6% |
| Participant deferral / active EE | $7,770 | $3,311+134.7% | $5,630+38.0% | $4,274+81.8% |
| Admin fee / account holder | $5,628 | $6,724-16.3% | $16,006-64.8% | $7,775-27.6% |