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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 | $106,524+60.7% | $152,301+12.4% | $87,485+95.7% |
| Participation rate | 96.6% | 75.8%+20.8pp | 82.4%+14.1pp | 68.9%+27.6pp |
| Annual return | 19.80% | 26.89%-7.1pp | 80.50%-60.7pp | 26.06%-6.3pp |
| Employer contribution / active EE | $16,785 | $3,371+397.9% | $4,624+263.0% | $2,596+546.5% |
| Participant deferral / active EE | $9,516 | $6,525+45.8% | $8,004+18.9% | $4,274+122.7% |
| Admin fee / account holder | $6,167 | $8,287-25.6% | $14,398-57.2% | $7,775-20.7% |