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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 | $62,576 | $78,197-20.0% | $98,090-36.2% | $82,637-24.3% |
| Participation rate | 90.3% | 77.5%+12.8pp | 81.5%+8.7pp | 68.1%+22.2pp |
| Annual return | 21.52% | 40.25%-18.7pp | 37.05%-15.5pp | 53.51%-32.0pp |
| Employer contribution / active EE | $6,628 | $2,605+154.5% | $3,606+83.8% | $2,552+159.7% |
| Participant deferral / active EE | $14,003 | $6,636+111.0% | $7,845+78.5% | $4,126+239.4% |
| Admin fee / account holder | $2,082 | $14,832-86.0% | $11,815-82.4% | $7,339-71.6% |