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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 | $156,142 | $97,550+60.1% | $120,344+29.7% | $87,485+78.5% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.7%+23.3pp | 68.9%+31.1pp |
| Annual return | 12.61% | 18.41%-5.8pp | 20.30%-7.7pp | 26.06%-13.5pp |
| Employer contribution / active EE | $3,730 | $2,291+62.8% | $3,020+23.5% | $2,596+43.7% |
| Participant deferral / active EE | $10,240 | $4,230+142.1% | $5,135+99.4% | $4,274+139.6% |
| Admin fee / account holder | $5,859 | $9,543-38.6% | $12,742-54.0% | $7,775-24.6% |