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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 | $93,367 | $54,541+71.2% | $78,778+18.5% | $70,126+33.1% |
| Participation rate | 98.6% | 60.8%+37.8pp | 69.2%+29.4pp | 69.5%+29.1pp |
| Annual return | 13.98% | 21.07%-7.1pp | 35.62%-21.6pp | 73.15%-59.2pp |
| Employer contribution / active EE | $5,725 | $1,089+425.9% | $1,986+188.3% | $2,343+144.4% |
| Participant deferral / active EE | $5,453 | $2,210+146.7% | $2,958+84.3% | $3,332+63.7% |
| Admin fee / account holder | $936 | $3,709-74.8% | $5,134-81.8% | $4,645-79.9% |