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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 | $155,805 | $81,487+91.2% | $102,412+52.1% | $80,935+92.5% |
| Participation rate | 92.3% | 66.8%+25.5pp | 74.5%+17.8pp | 67.7%+24.6pp |
| Annual return | 17.30% | 25.60%-8.3pp | 24.94%-7.6pp | 35.66%-18.4pp |
| Employer contribution / active EE | $12,900 | $3,103+315.7% | $3,870+233.3% | $2,757+367.9% |
| Participant deferral / active EE | $8,790 | $3,871+127.1% | $5,060+73.7% | $4,299+104.4% |
| Admin fee / account holder | $4,721 | $6,717-29.7% | $8,388-43.7% | $6,924-31.8% |