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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 | $77,128 | $87,060-11.4% | $105,591-27.0% | $80,911-4.7% |
| Participation rate | 97.5% | 70.4%+27.1pp | 75.3%+22.2pp | 67.6%+29.9pp |
| Annual return | 17.31% | 17.05%+0.3pp | 116.43%-99.1pp | 35.63%-18.3pp |
| Employer contribution / active EE | $16,277 | $2,396+579.3% | $3,166+414.1% | $2,756+490.7% |
| Participant deferral / active EE | $29,604 | $3,986+642.7% | $5,008+491.1% | $4,297+588.9% |
| Admin fee / account holder | $13,942 | $8,442+65.1% | $11,024+26.5% | $6,935+101.0% |