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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 | $65,349 | $97,550-33.0% | $120,344-45.7% | $87,485-25.3% |
| Participation rate | 98.5% | 72.8%+25.6pp | 76.7%+21.8pp | 68.9%+29.5pp |
| Annual return | 14.07% | 18.41%-4.3pp | 20.30%-6.2pp | 26.06%-12.0pp |
| Employer contribution / active EE | $9,482 | $2,291+313.9% | $3,020+214.0% | $2,596+265.2% |
| Participant deferral / active EE | $8,957 | $4,230+111.8% | $5,135+74.4% | $4,274+109.6% |
| Admin fee / account holder | $10,173 | $9,543+6.6% | $12,742-20.2% | $7,775+30.9% |