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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 | $86,938+72.9% | $102,423+46.8% | $80,925+85.7% |
| Participation rate | 96.2% | 72.4%+23.8pp | 76.5%+19.7pp | 67.7%+28.5pp |
| Annual return | 12.79% | 18.89%-6.1pp | 29.42%-16.6pp | 35.65%-22.9pp |
| Employer contribution / active EE | $5,999 | $2,369+153.2% | $3,023+98.5% | $2,756+117.7% |
| Participant deferral / active EE | $13,222 | $4,120+220.9% | $5,054+161.6% | $4,299+207.6% |
| Admin fee / account holder | $664 | $8,053-91.8% | $9,455-93.0% | $6,940-90.4% |