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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 | $73,888 | $51,638+43.1% | $129,406-42.9% | $80,959-8.7% |
| Participation rate | 93.7% | 56.9%+36.7pp | 69.6%+24.0pp | 67.7%+26.0pp |
| Annual return | 13.98% | 20.78%-6.8pp | 9468.18%-9454.2pp | 35.67%-21.7pp |
| Employer contribution / active EE | $2,626 | $1,584+65.8% | $4,155-36.8% | $2,757-4.8% |
| Participant deferral / active EE | $9,045 | $2,670+238.7% | $4,167+117.0% | $4,300+110.3% |
| Admin fee / account holder | $3,208 | $4,313-25.6% | $7,689-58.3% | $6,925-53.7% |