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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 | $69,804 | $77,814-10.3% | $158,223-55.9% | $86,983-19.7% |
| Participation rate | 77.3% | 68.4%+8.9pp | 79.2%-1.9pp | 69.5%+7.7pp |
| Annual return | 21.57% | 30.54%-9.0pp | 52.09%-30.5pp | 25.83%-4.3pp |
| Employer contribution / active EE | $6,119 | $2,592+136.0% | $4,109+48.9% | $2,584+136.7% |
| Participant deferral / active EE | $11,164 | $3,270+241.4% | $5,467+104.2% | $4,194+166.2% |
| Admin fee / account holder | $7,010 | $5,879+19.2% | $16,047-56.3% | $7,856-10.8% |