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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 | $74,285 | $81,487-8.8% | $102,412-27.5% | $80,935-8.2% |
| Participation rate | 96.4% | 66.8%+29.5pp | 74.5%+21.9pp | 67.7%+28.7pp |
| Annual return | 30.96% | 25.60%+5.4pp | 24.94%+6.0pp | 35.66%-4.7pp |
| Employer contribution / active EE | $3,889 | $3,103+25.3% | $3,870+0.5% | $2,757+41.1% |
| Participant deferral / active EE | $7,057 | $3,871+82.3% | $5,060+39.5% | $4,299+64.1% |
| Admin fee / account holder | $10,850 | $6,717+61.5% | $8,388+29.4% | $6,924+56.7% |