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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 | $77,358-6.5% | $102,184-29.2% | $87,485-17.3% |
| Participation rate | 94.4% | 78.7%+15.8pp | 82.6%+11.8pp | 68.9%+25.5pp |
| Annual return | 18.58% | 41.11%-22.5pp | 31.58%-13.0pp | 26.06%-7.5pp |
| Employer contribution / active EE | $10,210 | $2,562+298.5% | $3,594+184.1% | $2,596+293.3% |
| Participant deferral / active EE | $7,715 | $6,753+14.3% | $8,309-7.1% | $4,274+80.5% |
| Admin fee / account holder | $25,492 | $6,809+274.4% | $11,609+119.6% | $7,775+227.9% |