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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 | $154,430 | $97,550+58.3% | $120,344+28.3% | $87,485+76.5% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.7%+23.3pp | 68.9%+31.1pp |
| Annual return | 13.52% | 18.41%-4.9pp | 20.30%-6.8pp | 26.06%-12.5pp |
| Employer contribution / active EE | $3,818 | $2,291+66.7% | $3,020+26.4% | $2,596+47.1% |
| Participant deferral / active EE | $5,765 | $4,230+36.3% | $5,135+12.3% | $4,274+34.9% |
| Admin fee / account holder | $10,888 | $9,543+14.1% | $12,742-14.5% | $7,775+40.0% |