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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 | $99,581 | $56,287+76.9% | $80,977+23.0% | $62,881+58.4% |
| Participation rate | 90.1% | 68.9%+21.2pp | 75.8%+14.3pp | 69.3%+20.8pp |
| Annual return | 13.39% | 22.13%-8.7pp | 17.11%-3.7pp | 20.14%-6.7pp |
| Employer contribution / active EE | $8,992 | $1,943+362.8% | $3,715+142.1% | $2,281+294.2% |
| Participant deferral / active EE | $9,074 | $4,196+116.3% | $5,696+59.3% | $3,203+183.3% |
| Admin fee / account holder | $5,015 | $3,742+34.0% | $5,517-9.1% | $4,296+16.8% |