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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 | $177,423 | $76,407+132.2% | $150,298+18.0% | $82,448+115.2% |
| Participation rate | 92.3% | 66.4%+25.9pp | 77.8%+14.5pp | 68.1%+24.2pp |
| Annual return | 14.65% | 39.99%-25.3pp | 62.79%-48.1pp | 41.64%-27.0pp |
| Employer contribution / active EE | $3,345 | $2,614+27.9% | $4,154-19.5% | $2,551+31.1% |
| Participant deferral / active EE | $5,161 | $3,214+60.6% | $5,453-5.4% | $4,139+24.7% |
| Admin fee / account holder | $7,130 | $6,352+12.2% | $14,116-49.5% | $7,234-1.4% |