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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 | $99,253 | $106,864-7.1% | $147,318-32.6% | $82,637+20.1% |
| Participation rate | 97.1% | 75.5%+21.6pp | 82.1%+15.1pp | 68.1%+29.1pp |
| Annual return | 17.03% | 27.49%-10.5pp | 70.43%-53.4pp | 53.51%-36.5pp |
| Employer contribution / active EE | $5,787 | $3,417+69.4% | $4,593+26.0% | $2,552+126.8% |
| Participant deferral / active EE | $12,837 | $6,496+97.6% | $7,906+62.4% | $4,126+211.1% |
| Admin fee / account holder | $3,666 | $8,415-56.4% | $13,708-73.3% | $7,339-50.0% |