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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 | $66,436 | $86,050-22.8% | $189,758-65.0% | $94,015-29.3% |
| Participation rate | 95.7% | 68.9%+26.8pp | 79.8%+15.9pp | 70.8%+24.9pp |
| Annual return | 19.55% | 17.77%+1.8pp | 52.62%-33.1pp | 17.84%+1.7pp |
| Employer contribution / active EE | $3,271 | $2,819+16.0% | $4,767-31.4% | $2,790+17.2% |
| Participant deferral / active EE | $8,080 | $3,349+141.3% | $5,856+38.0% | $4,249+90.1% |
| Admin fee / account holder | $1,036 | $6,627-84.4% | $20,388-94.9% | $8,951-88.4% |