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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 | $163,788 | $81,358+101.3% | $155,556+5.3% | $80,959+102.3% |
| Participation rate | 85.7% | 66.3%+19.4pp | 78.2%+7.5pp | 67.7%+18.0pp |
| Annual return | 14.64% | 33.39%-18.7pp | 64.84%-50.2pp | 35.67%-21.0pp |
| Employer contribution / active EE | $8,715 | $3,106+180.6% | $4,675+86.4% | $2,757+216.1% |
| Participant deferral / active EE | $6,353 | $3,455+83.9% | $5,631+12.8% | $4,300+47.7% |
| Admin fee / account holder | $10,817 | $7,994+35.3% | $15,885-31.9% | $6,925+56.2% |