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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 | $75,136 | $77,460-3.0% | $100,378-25.1% | $80,925-7.2% |
| Participation rate | 93.1% | 76.9%+16.2pp | 81.5%+11.6pp | 67.7%+25.4pp |
| Annual return | 14.49% | 37.24%-22.7pp | 49.41%-34.9pp | 35.65%-21.2pp |
| Employer contribution / active EE | $6,981 | $2,801+149.2% | $3,942+77.1% | $2,756+153.3% |
| Participant deferral / active EE | $13,143 | $6,818+92.8% | $8,087+62.5% | $4,299+205.8% |
| Admin fee / account holder | $13,410 | $5,887+127.8% | $7,899+69.8% | $6,940+93.2% |