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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 | $146,734 | $58,493+150.9% | $84,023+74.6% | $72,976+101.1% |
| Participation rate | 90.0% | 61.2%+28.8pp | 69.0%+21.0pp | 69.5%+20.5pp |
| Annual return | 20.66% | 28.93%-8.3pp | 71.32%-50.7pp | 81.02%-60.4pp |
| Employer contribution / active EE | $4,252 | $1,163+265.6% | $1,984+114.3% | $2,440+74.3% |
| Participant deferral / active EE | $3,038 | $2,394+26.9% | $3,239-6.2% | $3,608-15.8% |
| Admin fee / account holder | $11,545 | $4,569+152.7% | $6,102+89.2% | $5,124+125.3% |