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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 | $80,197 | $97,648-17.9% | $121,663-34.1% | $87,485-8.3% |
| Participation rate | 89.3% | 70.5%+18.8pp | 74.5%+14.8pp | 68.9%+20.4pp |
| Annual return | 18.66% | 18.03%+0.6pp | 147.54%-128.9pp | 26.06%-7.4pp |
| Employer contribution / active EE | $6,459 | $2,300+180.8% | $3,020+113.9% | $2,596+148.8% |
| Participant deferral / active EE | $9,868 | $3,923+151.5% | $4,887+101.9% | $4,274+130.9% |
| Admin fee / account holder | $7,257 | $11,100-34.6% | $14,289-49.2% | $7,775-6.7% |