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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 | $162,882 | $57,140+185.1% | $85,240+91.1% | $80,959+101.2% |
| Participation rate | 74.2% | 56.4%+17.8pp | 67.5%+6.7pp | 67.7%+6.5pp |
| Annual return | 17.56% | 21.71%-4.1pp | 66.75%-49.2pp | 35.67%-18.1pp |
| Employer contribution / active EE | $3,210 | $1,802+78.1% | $2,735+17.3% | $2,757+16.4% |
| Participant deferral / active EE | $10,218 | $3,115+228.0% | $4,527+125.7% | $4,300+137.6% |
| Admin fee / account holder | $6,160 | $4,992+23.4% | $6,165-0.1% | $6,925-11.1% |