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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 | $91,007 | $56,054+62.4% | $171,082-46.8% | $62,881+44.7% |
| Participation rate | 96.7% | 62.9%+33.8pp | 76.7%+20.0pp | 69.3%+27.4pp |
| Annual return | 11.46% | 22.52%-11.1pp | 32.56%-21.1pp | 20.14%-8.7pp |
| Employer contribution / active EE | $9,613 | $1,731+455.3% | $4,002+140.2% | $2,281+321.4% |
| Participant deferral / active EE | $7,884 | $3,158+149.6% | $4,797+64.3% | $3,203+146.1% |
| Admin fee / account holder | $361 | $3,647-90.1% | $8,520-95.8% | $4,296-91.6% |