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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 | $154,600 | $84,236+83.5% | $170,435-9.3% | $70,126+120.5% |
| Participation rate | 91.4% | 70.8%+20.6pp | 83.6%+7.8pp | 69.5%+21.9pp |
| Annual return | 12.61% | 23.06%-10.5pp | 205.94%-193.3pp | 73.15%-60.5pp |
| Employer contribution / active EE | $4,286 | $3,387+26.5% | $5,432-21.1% | $2,343+83.0% |
| Participant deferral / active EE | $7,389 | $3,086+139.4% | $4,939+49.6% | $3,332+121.8% |
| Admin fee / account holder | $5,291 | $5,698-7.2% | $13,881-61.9% | $4,645+13.9% |