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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 | $55,299 | $108,825-49.2% | $156,181-64.6% | $82,448-32.9% |
| Participation rate | 97.3% | 72.4%+24.9pp | 78.8%+18.5pp | 68.1%+29.2pp |
| Annual return | 17.84% | 20.59%-2.7pp | 64.87%-47.0pp | 41.64%-23.8pp |
| Employer contribution / active EE | $6,965 | $2,870+142.7% | $4,294+62.2% | $2,551+173.0% |
| Participant deferral / active EE | $13,977 | $4,577+205.4% | $6,132+127.9% | $4,139+237.7% |
| Admin fee / account holder | $8,780 | $9,341-6.0% | $14,586-39.8% | $7,234+21.4% |