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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 | $173,575 | $76,407+127.2% | $150,298+15.5% | $82,448+110.5% |
| Participation rate | 72.0% | 66.4%+5.6pp | 77.8%-5.8pp | 68.1%+3.9pp |
| Annual return | 13.91% | 39.99%-26.1pp | 62.79%-48.9pp | 41.64%-27.7pp |
| Employer contribution / active EE | $4,211 | $2,614+61.1% | $4,154+1.4% | $2,551+65.1% |
| Participant deferral / active EE | $9,214 | $3,214+186.6% | $5,453+69.0% | $4,139+122.6% |
| Admin fee / account holder | $16,127 | $6,352+153.9% | $14,116+14.3% | $7,234+122.9% |