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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 | $150,317 | $86,949+72.9% | $102,460+46.7% | $80,959+85.7% |
| Participation rate | 96.2% | 72.4%+23.8pp | 76.5%+19.6pp | 67.7%+28.5pp |
| Annual return | 12.79% | 18.89%-6.1pp | 29.47%-16.7pp | 35.67%-22.9pp |
| Employer contribution / active EE | $5,999 | $2,370+153.2% | $3,025+98.3% | $2,757+117.6% |
| Participant deferral / active EE | $13,222 | $4,121+220.8% | $5,056+161.5% | $4,300+207.5% |
| Admin fee / account holder | $664 | $8,048-91.7% | $9,460-93.0% | $6,925-90.4% |