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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 | $97,077 | $110,137-11.9% | $161,149-39.8% | $82,637+17.5% |
| Participation rate | 92.3% | 72.4%+20.0pp | 78.8%+13.5pp | 68.1%+24.3pp |
| Annual return | 16.02% | 20.69%-4.7pp | 21.16%-5.1pp | 53.51%-37.5pp |
| Employer contribution / active EE | $6,678 | $2,856+133.8% | $4,360+53.2% | $2,552+161.7% |
| Participant deferral / active EE | $10,336 | $4,575+125.9% | $6,153+68.0% | $4,126+150.5% |
| Admin fee / account holder | $38,951 | $9,467+311.5% | $15,194+156.4% | $7,339+430.8% |