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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 | $74,406 | $81,487-8.7% | $102,412-27.3% | $80,935-8.1% |
| Participation rate | 83.9% | 66.8%+17.0pp | 74.5%+9.4pp | 67.7%+16.2pp |
| Annual return | 11.63% | 25.60%-14.0pp | 24.94%-13.3pp | 35.66%-24.0pp |
| Employer contribution / active EE | $7,908 | $3,103+154.9% | $3,870+104.3% | $2,757+186.9% |
| Participant deferral / active EE | $5,491 | $3,871+41.9% | $5,060+8.5% | $4,299+27.7% |
| Admin fee / account holder | $15,537 | $6,717+131.3% | $8,388+85.2% | $6,924+124.4% |