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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 | $26,022 | $106,864-75.6% | $147,318-82.3% | $82,637-68.5% |
| Participation rate | 92.9% | 75.5%+17.4pp | 82.1%+10.8pp | 68.1%+24.8pp |
| Annual return | 28.50% | 27.49%+1.0pp | 70.43%-41.9pp | 53.51%-25.0pp |
| Employer contribution / active EE | $6,754 | $3,417+97.7% | $4,593+47.1% | $2,552+164.6% |
| Participant deferral / active EE | $8,202 | $6,496+26.3% | $7,906+3.7% | $4,126+98.8% |
| Admin fee / account holder | $10,008 | $8,415+18.9% | $13,708-27.0% | $7,339+36.4% |