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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 | $166,784 | $72,273+130.8% | $101,275+64.7% | $79,856+108.9% |
| Participation rate | 92.9% | 68.5%+24.4pp | 75.8%+17.0pp | 69.6%+23.2pp |
| Annual return | 10.76% | 22.30%-11.5pp | 46.48%-35.7pp | 31.71%-21.0pp |
| Employer contribution / active EE | $9,381 | $2,691+248.6% | $3,660+156.3% | $2,471+279.6% |
| Participant deferral / active EE | $3,032 | $3,282-7.6% | $4,371-30.6% | $3,741-19.0% |
| Admin fee / account holder | $5,044 | $4,401+14.6% | $5,948-15.2% | $5,306-5.0% |