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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 | $45,697 | $106,864-57.2% | $147,318-69.0% | $82,637-44.7% |
| Participation rate | 96.9% | 75.5%+21.4pp | 82.1%+14.8pp | 68.1%+28.8pp |
| Annual return | 14.94% | 27.49%-12.5pp | 70.43%-55.5pp | 53.51%-38.6pp |
| Employer contribution / active EE | $6,077 | $3,417+77.9% | $4,593+32.3% | $2,552+138.1% |
| Participant deferral / active EE | $11,654 | $6,496+79.4% | $7,906+47.4% | $4,126+182.5% |
| Admin fee / account holder | $13,169 | $8,415+56.5% | $13,708-3.9% | $7,339+79.4% |