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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 | $75,840 | $81,331-6.8% | $155,534-51.2% | $80,935-6.3% |
| Participation rate | 84.6% | 66.3%+18.4pp | 78.2%+6.4pp | 67.7%+17.0pp |
| Annual return | 64.36% | 33.37%+31.0pp | 64.92%-0.6pp | 35.66%+28.7pp |
| Employer contribution / active EE | $2,252 | $3,105-27.5% | $4,675-51.8% | $2,757-18.3% |
| Participant deferral / active EE | $11,109 | $3,454+221.6% | $5,630+97.3% | $4,299+158.4% |
| Admin fee / account holder | $16,474 | $7,999+105.9% | $15,900+3.6% | $6,924+137.9% |