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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 | $65,802 | $77,962-15.6% | $178,540-63.1% | $80,935-18.7% |
| Participation rate | 95.0% | 65.7%+29.3pp | 77.1%+17.9pp | 67.7%+27.3pp |
| Annual return | 25.13% | 18.10%+7.0pp | 27.15%-2.0pp | 35.66%-10.5pp |
| Employer contribution / active EE | $5,967 | $2,280+161.7% | $3,953+51.0% | $2,757+116.5% |
| Participant deferral / active EE | $12,513 | $4,404+184.1% | $6,281+99.2% | $4,299+191.0% |
| Admin fee / account holder | $8,254 | $7,156+15.3% | $10,424-20.8% | $6,924+19.2% |