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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 | $149,564 | $106,524+40.4% | $152,301-1.8% | $87,485+71.0% |
| Participation rate | 82.1% | 75.8%+6.4pp | 82.4%-0.3pp | 68.9%+13.2pp |
| Annual return | 16.84% | 26.89%-10.0pp | 80.50%-63.7pp | 26.06%-9.2pp |
| Employer contribution / active EE | $4,419 | $3,371+31.1% | $4,624-4.4% | $2,596+70.2% |
| Participant deferral / active EE | $11,378 | $6,525+74.4% | $8,004+42.2% | $4,274+166.2% |
| Admin fee / account holder | $12,537 | $8,287+51.3% | $14,398-12.9% | $7,775+61.2% |