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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 | $79,166 | $81,487-2.8% | $102,412-22.7% | $80,935-2.2% |
| Participation rate | 84.0% | 66.8%+17.2pp | 74.5%+9.5pp | 67.7%+16.3pp |
| Annual return | 20.99% | 25.60%-4.6pp | 24.94%-4.0pp | 35.66%-14.7pp |
| Employer contribution / active EE | $7,118 | $3,103+129.4% | $3,870+83.9% | $2,757+158.2% |
| Participant deferral / active EE | $10,756 | $3,871+177.9% | $5,060+112.6% | $4,299+150.2% |
| Admin fee / account holder | $2,806 | $6,717-58.2% | $8,388-66.5% | $6,924-59.5% |