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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 | $82,698 | $69,977+18.2% | $108,582-23.8% | $62,881+31.5% |
| Participation rate | 98.6% | 72.9%+25.7pp | 79.6%+19.0pp | 69.3%+29.2pp |
| Annual return | 8.11% | 10.73%-2.6pp | -51.70%+59.8pp | 20.14%-12.0pp |
| Employer contribution / active EE | $4,815 | $2,135+125.5% | $3,758+28.1% | $2,281+111.1% |
| Participant deferral / active EE | $3,443 | $3,165+8.8% | $4,311-20.1% | $3,203+7.5% |
| Admin fee / account holder | $14,319 | $5,076+182.1% | $7,645+87.3% | $4,296+233.3% |