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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 | $73,513 | $77,814-5.5% | $158,223-53.5% | $86,983-15.5% |
| Participation rate | 77.8% | 68.4%+9.4pp | 79.2%-1.4pp | 69.5%+8.2pp |
| Annual return | 21.31% | 30.54%-9.2pp | 52.09%-30.8pp | 25.83%-4.5pp |
| Employer contribution / active EE | $7,483 | $2,592+188.7% | $4,109+82.1% | $2,584+189.6% |
| Participant deferral / active EE | $3,734 | $3,270+14.2% | $5,467-31.7% | $4,194-11.0% |
| Admin fee / account holder | $1,751 | $5,879-70.2% | $16,047-89.1% | $7,856-77.7% |