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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 | $63,313 | $78,015-18.8% | $178,505-64.5% | $80,959-21.8% |
| Participation rate | 93.9% | 65.7%+28.3pp | 77.1%+16.8pp | 67.7%+26.3pp |
| Annual return | 13.33% | 18.10%-4.8pp | 27.16%-13.8pp | 35.67%-22.3pp |
| Employer contribution / active EE | $4,946 | $2,281+116.8% | $3,955+25.1% | $2,757+79.4% |
| Participant deferral / active EE | $11,559 | $4,406+162.4% | $6,280+84.1% | $4,300+168.8% |
| Admin fee / account holder | $7,868 | $7,160+9.9% | $10,428-24.5% | $6,925+13.6% |