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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 | $93,448 | $145,431-35.7% | $211,142-55.7% | $87,485+6.8% |
| Participation rate | 96.7% | 84.7%+11.9pp | 87.3%+9.4pp | 68.9%+27.7pp |
| Annual return | 15.06% | 27.21%-12.1pp | 46.84%-31.8pp | 26.06%-11.0pp |
| Employer contribution / active EE | $6,947 | $4,662+49.0% | $6,442+7.8% | $2,596+167.6% |
| Participant deferral / active EE | $12,862 | $6,859+87.5% | $9,284+38.5% | $4,274+201.0% |
| Admin fee / account holder | $9,586 | $17,052-43.8% | $19,076-49.7% | $7,775+23.3% |