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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 | $65,612 | $77,492-15.3% | $100,398-34.6% | $80,911-18.9% |
| Participation rate | 96.0% | 76.9%+19.1pp | 81.5%+14.5pp | 67.6%+28.4pp |
| Annual return | 14.75% | 37.23%-22.5pp | 49.32%-34.6pp | 35.63%-20.9pp |
| Employer contribution / active EE | $10,297 | $2,800+267.7% | $3,946+161.0% | $2,756+273.7% |
| Participant deferral / active EE | $9,584 | $6,817+40.6% | $8,084+18.6% | $4,297+123.0% |
| Admin fee / account holder | $3,816 | $5,892-35.2% | $7,893-51.7% | $6,935-45.0% |