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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 | $106,524-11.7% | $152,301-38.2% | $87,485+7.6% |
| Participation rate | 98.4% | 75.8%+22.6pp | 82.4%+15.9pp | 68.9%+29.4pp |
| Annual return | 25.66% | 26.89%-1.2pp | 80.50%-54.8pp | 26.06%-0.4pp |
| Employer contribution / active EE | $5,783 | $3,371+71.5% | $4,624+25.0% | $2,596+122.7% |
| Participant deferral / active EE | $11,936 | $6,525+82.9% | $8,004+49.1% | $4,274+179.3% |
| Admin fee / account holder | $1,811 | $8,287-78.2% | $14,398-87.4% | $7,775-76.7% |