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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 | $71,174 | $78,520-9.4% | $96,576-26.3% | $82,448-13.7% |
| Participation rate | 98.8% | 77.7%+21.0pp | 81.4%+17.3pp | 68.1%+30.7pp |
| Annual return | 22.96% | 41.30%-18.3pp | 38.47%-15.5pp | 41.64%-18.7pp |
| Employer contribution / active EE | $5,568 | $2,630+111.7% | $3,553+56.7% | $2,551+118.3% |
| Participant deferral / active EE | $9,925 | $6,754+46.9% | $7,956+24.7% | $4,139+139.8% |
| Admin fee / account holder | $2,801 | $13,455-79.2% | $11,381-75.4% | $7,234-61.3% |