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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 | $154,552 | $76,407+102.3% | $150,298+2.8% | $82,448+87.5% |
| Participation rate | 85.2% | 66.4%+18.8pp | 77.8%+7.4pp | 68.1%+17.1pp |
| Annual return | 17.35% | 39.99%-22.6pp | 62.79%-45.4pp | 41.64%-24.3pp |
| Employer contribution / active EE | $3,485 | $2,614+33.3% | $4,154-16.1% | $2,551+36.6% |
| Participant deferral / active EE | $5,603 | $3,214+74.3% | $5,453+2.8% | $4,139+35.4% |
| Admin fee / account holder | $2,066 | $6,352-67.5% | $14,116-85.4% | $7,234-71.4% |