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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 | $172,778 | $83,485+107.0% | $125,192+38.0% | $72,975+136.8% |
| Participation rate | 93.1% | 73.3%+19.8pp | 79.8%+13.3pp | 69.5%+23.6pp |
| Annual return | 18.13% | 25.77%-7.6pp | 43.79%-25.7pp | 81.01%-62.9pp |
| Employer contribution / active EE | $4,139 | $2,346+76.5% | $3,866+7.1% | $2,440+69.6% |
| Participant deferral / active EE | $4,838 | $3,586+34.9% | $4,937-2.0% | $3,608+34.1% |
| Admin fee / account holder | $2,860 | $5,518-48.2% | $9,704-70.5% | $5,124-44.2% |