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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 | $157,097 | $106,749+47.2% | $145,433+8.0% | $82,448+90.5% |
| Participation rate | 74.2% | 75.6%-1.5pp | 82.1%-7.9pp | 68.1%+6.1pp |
| Annual return | 15.53% | 27.59%-12.1pp | 66.58%-51.0pp | 41.64%-26.1pp |
| Employer contribution / active EE | $6,487 | $3,444+88.3% | $4,554+42.4% | $2,551+154.3% |
| Participant deferral / active EE | $13,528 | $6,519+107.5% | $7,897+71.3% | $4,139+226.8% |
| Admin fee / account holder | $20,502 | $8,390+144.4% | $13,129+56.2% | $7,234+183.4% |