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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 | $65,892 | $99,875-34.0% | $146,866-55.1% | $86,983-24.2% |
| Participation rate | 95.6% | 75.8%+19.7pp | 82.5%+13.0pp | 69.5%+26.0pp |
| Annual return | 17.79% | 28.10%-10.3pp | 102.85%-85.1pp | 25.83%-8.0pp |
| Employer contribution / active EE | $4,819 | $3,224+49.4% | $4,425+8.9% | $2,584+86.4% |
| Participant deferral / active EE | $9,208 | $6,322+45.6% | $7,759+18.7% | $4,194+119.6% |
| Admin fee / account holder | $12,278 | $7,838+56.7% | $13,620-9.9% | $7,856+56.3% |