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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 | $171,876 | $93,617+83.6% | $135,982+26.4% | $75,177+128.6% |
| Participation rate | 87.0% | 75.2%+11.8pp | 81.9%+5.0pp | 67.2%+19.8pp |
| Annual return | 20.37% | 30.89%-10.5pp | 68.32%-48.0pp | 160.75%-140.4pp |
| Employer contribution / active EE | $4,347 | $3,538+22.8% | $4,859-10.5% | $2,671+62.7% |
| Participant deferral / active EE | $9,482 | $6,406+48.0% | $7,760+22.2% | $4,126+129.8% |
| Admin fee / account holder | $12,630 | $6,980+81.0% | $10,767+17.3% | $5,651+123.5% |