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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 | $142,499 | $72,492+96.6% | $87,102+63.6% | $72,983+95.2% |
| Participation rate | 94.9% | 72.8%+22.1pp | 76.9%+18.0pp | 69.5%+25.4pp |
| Annual return | 20.67% | 24.46%-3.8pp | 28.19%-7.5pp | 81.01%-60.3pp |
| Employer contribution / active EE | $4,778 | $1,894+152.3% | $2,521+89.5% | $2,440+95.8% |
| Participant deferral / active EE | $4,554 | $3,270+39.3% | $4,048+12.5% | $3,608+26.2% |
| Admin fee / account holder | $17,589 | $5,055+248.0% | $7,491+134.8% | $5,124+243.3% |