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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 | $57,073+185.4% | $85,126+91.3% | $80,925+101.3% |
| Participation rate | 74.2% | 56.4%+17.8pp | 67.5%+6.7pp | 67.7%+6.5pp |
| Annual return | 17.56% | 21.69%-4.1pp | 66.63%-49.1pp | 35.65%-18.1pp |
| Employer contribution / active EE | $3,210 | $1,801+78.2% | $2,731+17.5% | $2,756+16.5% |
| Participant deferral / active EE | $10,218 | $3,113+228.2% | $4,523+125.9% | $4,299+137.7% |
| Admin fee / account holder | $6,160 | $4,988+23.5% | $6,1600% | $6,940-11.2% |