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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 | $142,574 | $95,453+49.4% | $112,040+27.3% | $82,448+72.9% |
| Participation rate | 92.6% | 72.8%+19.8pp | 76.5%+16.1pp | 68.1%+24.5pp |
| Annual return | 18.32% | 23.92%-5.6pp | 24.52%-6.2pp | 41.64%-23.3pp |
| Employer contribution / active EE | $1,863 | $2,318-19.6% | $2,954-36.9% | $2,551-27.0% |
| Participant deferral / active EE | $10,216 | $4,224+141.9% | $5,098+100.4% | $4,139+146.8% |
| Admin fee / account holder | $23,707 | $9,013+163.0% | $12,098+96.0% | $7,234+227.7% |