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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 | $95,453-31.5% | $112,040-41.7% | $82,448-20.7% |
| Participation rate | 98.5% | 72.8%+25.7pp | 76.5%+22.0pp | 68.1%+30.4pp |
| Annual return | 14.07% | 23.92%-9.8pp | 24.52%-10.4pp | 41.64%-27.6pp |
| Employer contribution / active EE | $9,482 | $2,318+309.1% | $2,954+221.0% | $2,551+271.7% |
| Participant deferral / active EE | $8,957 | $4,224+112.1% | $5,098+75.7% | $4,139+116.4% |
| Admin fee / account holder | $10,173 | $9,013+12.9% | $12,098-15.9% | $7,234+40.6% |