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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 | $70,026 | $79,961-12.4% | $98,462-28.9% | $75,177-6.9% |
| Participation rate | 98.5% | 70.4%+28.1pp | 75.2%+23.3pp | 67.2%+31.3pp |
| Annual return | 23.48% | 19.75%+3.7pp | 21.17%+2.3pp | 160.75%-137.3pp |
| Employer contribution / active EE | $6,835 | $2,264+201.8% | $3,049+124.2% | $2,671+155.9% |
| Participant deferral / active EE | $7,309 | $3,753+94.8% | $4,738+54.2% | $4,126+77.1% |
| Admin fee / account holder | $11,032 | $6,842+61.2% | $8,875+24.3% | $5,651+95.2% |