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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 | $144,537 | $81,504+77.3% | $102,437+41.1% | $80,959+78.5% |
| Participation rate | 85.7% | 66.9%+18.9pp | 74.5%+11.2pp | 67.7%+18.0pp |
| Annual return | 16.17% | 25.60%-9.4pp | 24.95%-8.8pp | 35.67%-19.5pp |
| Employer contribution / active EE | $4,732 | $3,104+52.5% | $3,871+22.3% | $2,757+71.6% |
| Participant deferral / active EE | $6,336 | $3,871+63.7% | $5,060+25.2% | $4,300+47.3% |
| Admin fee / account holder | $3,998 | $6,719-40.5% | $8,388-52.3% | $6,925-42.3% |