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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 | $142,957 | $76,407+87.1% | $150,298-4.9% | $82,448+73.4% |
| Participation rate | 96.3% | 66.4%+29.9pp | 77.8%+18.5pp | 68.1%+28.2pp |
| Annual return | 18.61% | 39.99%-21.4pp | 62.79%-44.2pp | 41.64%-23.0pp |
| Employer contribution / active EE | $3,156 | $2,614+20.7% | $4,154-24.0% | $2,551+23.7% |
| Participant deferral / active EE | $7,590 | $3,214+136.1% | $5,453+39.2% | $4,139+83.4% |
| Admin fee / account holder | $21,920 | $6,352+245.1% | $14,116+55.3% | $7,234+203.0% |