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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 | $172,916 | $105,284+64.2% | $150,734+14.7% | $94,015+83.9% |
| Participation rate | 92.3% | 71.7%+20.6pp | 78.4%+13.9pp | 70.8%+21.5pp |
| Annual return | 16.41% | 15.67%+0.7pp | 600.81%-584.4pp | 17.84%-1.4pp |
| Employer contribution / active EE | $4,946 | $3,599+37.4% | $4,918+0.6% | $2,790+77.3% |
| Participant deferral / active EE | $6,651 | $4,274+55.6% | $5,610+18.6% | $4,249+56.5% |
| Admin fee / account holder | $495 | $9,839-95.0% | $14,905-96.7% | $8,951-94.5% |