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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 | $204,164 | $93,057+119.4% | $153,500+33.0% | $80,925+152.3% |
| Participation rate | 92.3% | 69.0%+23.3pp | 77.1%+15.2pp | 67.7%+24.6pp |
| Annual return | 15.33% | 19.96%-4.6pp | 15.70%-0.4pp | 35.65%-20.3pp |
| Employer contribution / active EE | $4,001 | $3,507+14.1% | $5,039-20.6% | $2,756+45.2% |
| Participant deferral / active EE | $8,364 | $5,179+61.5% | $6,756+23.8% | $4,299+94.6% |
| Admin fee / account holder | $25,226 | $8,885+183.9% | $12,736+98.1% | $6,940+263.5% |