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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 | $157,287 | $76,834+104.7% | $108,359+45.2% | $87,485+79.8% |
| Participation rate | 90.8% | 61.7%+29.0pp | 70.1%+20.6pp | 68.9%+21.8pp |
| Annual return | 14.55% | 19.09%-4.5pp | 36.89%-22.3pp | 26.06%-11.5pp |
| Employer contribution / active EE | $5,225 | $1,556+235.7% | $2,399+117.8% | $2,596+101.3% |
| Participant deferral / active EE | $7,166 | $3,100+131.2% | $4,137+73.2% | $4,274+67.7% |
| Admin fee / account holder | $24,889 | $6,537+280.7% | $9,741+155.5% | $7,775+220.1% |