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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 | $106,524+47.5% | $152,301+3.1% | $87,485+79.6% |
| Participation rate | 74.2% | 75.8%-1.6pp | 82.4%-8.3pp | 68.9%+5.3pp |
| Annual return | 15.53% | 26.89%-11.4pp | 80.50%-65.0pp | 26.06%-10.5pp |
| Employer contribution / active EE | $6,487 | $3,371+92.4% | $4,624+40.3% | $2,596+149.9% |
| Participant deferral / active EE | $13,528 | $6,525+107.3% | $8,004+69.0% | $4,274+216.6% |
| Admin fee / account holder | $20,502 | $8,287+147.4% | $14,398+42.4% | $7,775+163.7% |