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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 | $170,799 | $106,864+59.8% | $147,318+15.9% | $82,637+106.7% |
| Participation rate | 92.3% | 75.5%+16.8pp | 82.1%+10.2pp | 68.1%+24.3pp |
| Annual return | 19.63% | 27.49%-7.9pp | 70.43%-50.8pp | 53.51%-33.9pp |
| Employer contribution / active EE | $5,816 | $3,417+70.2% | $4,593+26.6% | $2,552+127.9% |
| Participant deferral / active EE | $12,421 | $6,496+91.2% | $7,906+57.1% | $4,126+201.0% |
| Admin fee / account holder | $470 | $8,415-94.4% | $13,708-96.6% | $7,339-93.6% |