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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 | $146,267-36.1% | $197,124-52.6% | $82,448+13.3% |
| Participation rate | 96.7% | 84.0%+12.7pp | 86.7%+10.0pp | 68.1%+28.6pp |
| Annual return | 15.06% | 29.61%-14.5pp | 44.34%-29.3pp | 41.64%-26.6pp |
| Employer contribution / active EE | $6,947 | $4,723+47.1% | $6,227+11.6% | $2,551+172.3% |
| Participant deferral / active EE | $12,862 | $7,035+82.8% | $9,135+40.8% | $4,139+210.7% |
| Admin fee / account holder | $9,586 | $14,422-33.5% | $16,298-41.2% | $7,234+32.5% |