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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 | $71,963 | $57,073+26.1% | $85,126-15.5% | $80,925-11.1% |
| Participation rate | 90.3% | 56.4%+33.9pp | 67.5%+22.8pp | 67.7%+22.7pp |
| Annual return | 38.64% | 21.69%+17.0pp | 66.63%-28.0pp | 35.65%+3.0pp |
| Employer contribution / active EE | $1,577 | $1,801-12.4% | $2,731-42.3% | $2,756-42.8% |
| Participant deferral / active EE | $7,292 | $3,113+134.2% | $4,523+61.2% | $4,299+69.6% |
| Admin fee / account holder | $9,812 | $4,988+96.7% | $6,160+59.3% | $6,940+41.4% |