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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 | $160,772 | $81,487+97.3% | $102,412+57.0% | $80,935+98.6% |
| Participation rate | 98.5% | 66.8%+31.6pp | 74.5%+24.0pp | 67.7%+30.8pp |
| Annual return | 15.97% | 25.60%-9.6pp | 24.94%-9.0pp | 35.66%-19.7pp |
| Employer contribution / active EE | $4,696 | $3,103+51.3% | $3,870+21.3% | $2,757+70.3% |
| Participant deferral / active EE | $4,701 | $3,871+21.4% | $5,060-7.1% | $4,299+9.3% |
| Admin fee / account holder | $11,578 | $6,717+72.4% | $8,388+38.0% | $6,924+67.2% |