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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 | $74,649 | $90,400-17.4% | $186,193-59.9% | $87,485-14.7% |
| Participation rate | 97.0% | 66.2%+30.8pp | 77.1%+19.9pp | 68.9%+28.0pp |
| Annual return | 16.68% | 22.15%-5.5pp | 78.03%-61.3pp | 26.06%-9.4pp |
| Employer contribution / active EE | $4,222 | $2,170+94.5% | $3,918+7.8% | $2,596+62.6% |
| Participant deferral / active EE | $8,773 | $4,330+102.6% | $6,513+34.7% | $4,274+105.3% |
| Admin fee / account holder | $12,679 | $8,673+46.2% | $11,058+14.7% | $7,775+63.1% |