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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 | $154,884 | $76,371+102.8% | $93,621+65.4% | $72,975+112.2% |
| Participation rate | 98.3% | 71.8%+26.6pp | 75.8%+22.5pp | 69.5%+28.8pp |
| Annual return | 23.98% | 25.82%-1.8pp | 32.76%-8.8pp | 81.01%-57.0pp |
| Employer contribution / active EE | $7,091 | $2,276+211.6% | $2,719+160.8% | $2,440+190.6% |
| Participant deferral / active EE | $5,385 | $3,538+52.2% | $4,070+32.3% | $3,608+49.3% |
| Admin fee / account holder | $6,382 | $6,839-6.7% | $7,890-19.1% | $5,124+24.6% |