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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 | $168,681 | $75,541+123.3% | $152,093+10.9% | $82,637+104.1% |
| Participation rate | 89.3% | 66.5%+22.7pp | 77.8%+11.5pp | 68.1%+21.2pp |
| Annual return | 15.36% | 32.56%-17.2pp | 66.36%-51.0pp | 53.51%-38.1pp |
| Employer contribution / active EE | $3,534 | $2,622+34.8% | $4,175-15.4% | $2,552+38.5% |
| Participant deferral / active EE | $4,720 | $3,206+47.3% | $5,451-13.4% | $4,126+14.4% |
| Admin fee / account holder | $18,685 | $6,405+191.7% | $14,497+28.9% | $7,339+154.6% |