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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 | $168,126 | $57,828+190.7% | $117,039+43.6% | $70,126+139.7% |
| Participation rate | 86.2% | 67.1%+19.1pp | 77.2%+9.0pp | 69.5%+16.7pp |
| Annual return | 17.62% | 17.55%+0.1pp | 18.95%-1.3pp | 73.15%-55.5pp |
| Employer contribution / active EE | $3,200 | $1,816+76.2% | $3,785-15.4% | $2,343+36.6% |
| Participant deferral / active EE | $8,683 | $2,438+256.2% | $3,929+121.0% | $3,332+160.6% |
| Admin fee / account holder | $2,424 | $3,548-31.7% | $5,974-59.4% | $4,645-47.8% |