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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 | $77,472-15.3% | $100,392-34.6% | $80,935-18.9% |
| Participation rate | 96.0% | 76.9%+19.1pp | 81.5%+14.5pp | 67.7%+28.3pp |
| Annual return | 14.75% | 37.26%-22.5pp | 49.45%-34.7pp | 35.66%-20.9pp |
| Employer contribution / active EE | $10,297 | $2,800+267.7% | $3,941+161.3% | $2,757+273.5% |
| Participant deferral / active EE | $9,584 | $6,818+40.6% | $8,090+18.5% | $4,299+122.9% |
| Admin fee / account holder | $3,816 | $5,885-35.2% | $7,904-51.7% | $6,924-44.9% |