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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 | $82,518 | $93,055-11.3% | $153,643-46.3% | $80,935+2.0% |
| Participation rate | 87.9% | 69.0%+18.9pp | 77.1%+10.8pp | 67.7%+20.2pp |
| Annual return | 15.27% | 19.97%-4.7pp | 15.71%-0.4pp | 35.66%-20.4pp |
| Employer contribution / active EE | $9,749 | $3,504+178.3% | $5,039+93.5% | $2,757+253.7% |
| Participant deferral / active EE | $14,131 | $5,172+173.2% | $6,754+109.2% | $4,299+228.7% |
| Admin fee / account holder | $1,321 | $8,881-85.1% | $12,739-89.6% | $6,924-80.9% |