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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 | $132,606 | $95,453+38.9% | $112,040+18.4% | $82,448+60.8% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 15.26% | 23.92%-8.7pp | 24.52%-9.3pp | 41.64%-26.4pp |
| Employer contribution / active EE | $3,832 | $2,318+65.3% | $2,954+29.7% | $2,551+50.2% |
| Participant deferral / active EE | $5,516 | $4,224+30.6% | $5,098+8.2% | $4,139+33.3% |
| Admin fee / account holder | $830 | $9,013-90.8% | $12,098-93.1% | $7,234-88.5% |