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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 | $143,292 | $57,590+148.8% | $86,233+66.2% | $82,448+73.8% |
| Participation rate | 96.7% | 57.9%+38.8pp | 69.0%+27.6pp | 68.1%+28.6pp |
| Annual return | 27.71% | 22.41%+5.3pp | 61.39%-33.7pp | 41.64%-13.9pp |
| Employer contribution / active EE | $4,437 | $1,655+168.0% | $2,504+77.2% | $2,551+73.9% |
| Participant deferral / active EE | $10,898 | $3,080+253.9% | $4,559+139.0% | $4,139+163.3% |
| Admin fee / account holder | $1,977 | $4,730-58.2% | $8,342-76.3% | $7,234-72.7% |