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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 | $156,210 | $93,589+66.9% | $135,942+14.9% | $75,181+107.8% |
| Participation rate | 84.2% | 75.2%+9.0pp | 81.9%+2.3pp | 67.2%+17.0pp |
| Annual return | 18.41% | 30.90%-12.5pp | 68.28%-49.9pp | 160.69%-142.3pp |
| Employer contribution / active EE | $3,272 | $3,537-7.5% | $4,858-32.6% | $2,671+22.5% |
| Participant deferral / active EE | $8,865 | $6,405+38.4% | $7,759+14.3% | $4,126+114.9% |
| Admin fee / account holder | $28,559 | $6,977+309.3% | $10,764+165.3% | $5,650+405.5% |