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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 | $129,588 | $76,834+68.7% | $108,359+19.6% | $87,485+48.1% |
| Participation rate | 94.3% | 61.7%+32.6pp | 70.1%+24.2pp | 68.9%+25.4pp |
| Annual return | 17.45% | 19.09%-1.6pp | 36.89%-19.4pp | 26.06%-8.6pp |
| Employer contribution / active EE | $11,425 | $1,556+634.1% | $2,399+376.1% | $2,596+340.1% |
| Participant deferral / active EE | $6,185 | $3,100+99.5% | $4,137+49.5% | $4,274+44.7% |
| Admin fee / account holder | $1,147 | $6,537-82.4% | $9,741-88.2% | $7,775-85.2% |