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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 | $152,690 | $77,962+95.9% | $178,540-14.5% | $80,935+88.7% |
| Participation rate | 96.3% | 65.7%+30.6pp | 77.1%+19.2pp | 67.7%+28.6pp |
| Annual return | 14.69% | 18.10%-3.4pp | 27.15%-12.5pp | 35.66%-21.0pp |
| Employer contribution / active EE | $4,097 | $2,280+79.7% | $3,953+3.6% | $2,757+48.6% |
| Participant deferral / active EE | $13,302 | $4,404+202.0% | $6,281+111.8% | $4,299+209.4% |
| Admin fee / account holder | $3,129 | $7,156-56.3% | $10,424-70.0% | $6,924-54.8% |