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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 | $104,098-37.2% | $140,514-53.5% | $94,015-30.5% |
| Participation rate | 98.5% | 73.7%+24.8pp | 77.8%+20.7pp | 70.8%+27.6pp |
| Annual return | 14.07% | 15.14%-1.1pp | 14.36%-0.3pp | 17.84%-3.8pp |
| Employer contribution / active EE | $9,482 | $2,388+297.0% | $3,378+180.7% | $2,790+239.8% |
| Participant deferral / active EE | $8,957 | $4,033+122.1% | $4,919+82.1% | $4,249+110.8% |
| Admin fee / account holder | $10,173 | $10,439-2.5% | $13,697-25.7% | $8,951+13.7% |