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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 | $49,485 | $93,617-47.1% | $135,982-63.6% | $75,177-34.2% |
| Participation rate | 96.2% | 75.2%+21.0pp | 81.9%+14.2pp | 67.2%+28.9pp |
| Annual return | 25.72% | 30.89%-5.2pp | 68.32%-42.6pp | 160.75%-135.0pp |
| Employer contribution / active EE | $15,952 | $3,538+350.8% | $4,859+228.3% | $2,671+497.2% |
| Participant deferral / active EE | $13,249 | $6,406+106.8% | $7,760+70.7% | $4,126+221.1% |
| Admin fee / account holder | $2,736 | $6,980-60.8% | $10,767-74.6% | $5,651-51.6% |