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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 | $154,249 | $81,276+89.8% | $155,574-0.9% | $80,925+90.6% |
| Participation rate | 76.0% | 66.2%+9.8pp | 78.2%-2.2pp | 67.7%+8.3pp |
| Annual return | 15.63% | 33.36%-17.7pp | 64.87%-49.2pp | 35.65%-20.0pp |
| Employer contribution / active EE | $4,289 | $3,103+38.2% | $4,676-8.3% | $2,756+55.6% |
| Participant deferral / active EE | $8,554 | $3,453+147.7% | $5,629+52.0% | $4,299+99.0% |
| Admin fee / account holder | $20,962 | $7,993+162.2% | $15,914+31.7% | $6,940+202.0% |