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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 | $65,550 | $99,875-34.4% | $146,866-55.4% | $86,983-24.6% |
| Participation rate | 97.6% | 75.8%+21.8pp | 82.5%+15.1pp | 69.5%+28.0pp |
| Annual return | 20.50% | 28.10%-7.6pp | 102.85%-82.4pp | 25.83%-5.3pp |
| Employer contribution / active EE | $3,472 | $3,224+7.7% | $4,425-21.5% | $2,584+34.4% |
| Participant deferral / active EE | $9,456 | $6,322+49.6% | $7,759+21.9% | $4,194+125.5% |
| Admin fee / account holder | $4,387 | $7,838-44.0% | $13,620-67.8% | $7,856-44.2% |