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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 | $210,876 | $58,851+258.3% | $115,170+83.1% | $72,975+189.0% |
| Participation rate | 89.7% | 65.5%+24.1pp | 75.9%+13.7pp | 69.5%+20.2pp |
| Annual return | 27.57% | 23.16%+4.4pp | 35.60%-8.0pp | 81.01%-53.4pp |
| Employer contribution / active EE | $3,465 | $1,798+92.7% | $3,179+9.0% | $2,440+42.0% |
| Participant deferral / active EE | $8,334 | $2,643+215.4% | $4,169+99.9% | $3,608+131.0% |
| Admin fee / account holder | $9,024 | $6,370+41.7% | $7,089+27.3% | $5,124+76.1% |