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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 | $171,236 | $106,749+60.4% | $145,433+17.7% | $82,448+107.7% |
| Participation rate | 96.6% | 75.6%+20.9pp | 82.1%+14.4pp | 68.1%+28.5pp |
| Annual return | 19.80% | 27.59%-7.8pp | 66.58%-46.8pp | 41.64%-21.8pp |
| Employer contribution / active EE | $16,785 | $3,444+387.3% | $4,554+268.5% | $2,551+558.0% |
| Participant deferral / active EE | $9,516 | $6,519+46.0% | $7,897+20.5% | $4,139+129.9% |
| Admin fee / account holder | $6,167 | $8,390-26.5% | $13,129-53.0% | $7,234-14.7% |