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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 | $184,087 | $106,749+72.4% | $145,433+26.6% | $82,448+123.3% |
| Participation rate | 96.3% | 75.6%+20.6pp | 82.1%+14.2pp | 68.1%+28.2pp |
| Annual return | 14.32% | 27.59%-13.3pp | 66.58%-52.3pp | 41.64%-27.3pp |
| Employer contribution / active EE | $762 | $3,444-77.9% | $4,554-83.3% | $2,551-70.1% |
| Participant deferral / active EE | $9,074 | $6,519+39.2% | $7,897+14.9% | $4,139+119.2% |
| Admin fee / account holder | $1,947 | $8,390-76.8% | $13,129-85.2% | $7,234-73.1% |