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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 | $77,814+128.0% | $158,223+12.1% | $86,983+104.0% |
| Participation rate | 92.3% | 68.4%+23.9pp | 79.2%+13.1pp | 69.5%+22.8pp |
| Annual return | 14.65% | 30.54%-15.9pp | 52.09%-37.4pp | 25.83%-11.2pp |
| Employer contribution / active EE | $3,345 | $2,592+29.0% | $4,109-18.6% | $2,584+29.4% |
| Participant deferral / active EE | $5,161 | $3,270+57.8% | $5,467-5.6% | $4,194+23.1% |
| Admin fee / account holder | $7,130 | $5,879+21.3% | $16,047-55.6% | $7,856-9.2% |