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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 | $72,365 | $78,520-7.8% | $96,576-25.1% | $82,448-12.2% |
| Participation rate | 94.4% | 77.7%+16.7pp | 81.4%+13.0pp | 68.1%+26.4pp |
| Annual return | 18.58% | 41.30%-22.7pp | 38.47%-19.9pp | 41.64%-23.1pp |
| Employer contribution / active EE | $10,210 | $2,630+288.3% | $3,553+187.4% | $2,551+300.3% |
| Participant deferral / active EE | $7,715 | $6,754+14.2% | $7,956-3.0% | $4,139+86.4% |
| Admin fee / account holder | $25,492 | $13,455+89.5% | $11,381+124.0% | $7,234+252.4% |