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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 | $83,856 | $59,839+40.1% | $81,991+2.3% | $79,852+5.0% |
| Participation rate | 98.8% | 61.6%+37.2pp | 69.3%+29.5pp | 69.6%+29.2pp |
| Annual return | 19.41% | 17.56%+1.8pp | 41.31%-21.9pp | 31.72%-12.3pp |
| Employer contribution / active EE | $6,412 | $1,713+274.2% | $2,498+156.7% | $2,471+159.5% |
| Participant deferral / active EE | $10,046 | $2,695+272.8% | $3,722+169.9% | $3,740+168.6% |
| Admin fee / account holder | $9,026 | $4,287+110.5% | $5,665+59.3% | $5,306+70.1% |