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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 | $94,094 | $106,749-11.9% | $145,433-35.3% | $82,448+14.1% |
| Participation rate | 98.4% | 75.6%+22.7pp | 82.1%+16.2pp | 68.1%+30.3pp |
| Annual return | 25.66% | 27.59%-1.9pp | 66.58%-40.9pp | 41.64%-16.0pp |
| Employer contribution / active EE | $5,783 | $3,444+67.9% | $4,554+27.0% | $2,551+126.7% |
| Participant deferral / active EE | $11,936 | $6,519+83.1% | $7,897+51.1% | $4,139+188.4% |
| Admin fee / account holder | $1,811 | $8,390-78.4% | $13,129-86.2% | $7,234-75.0% |