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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 | $106,524-75.6% | $152,301-82.9% | $87,485-70.3% |
| Participation rate | 92.9% | 75.8%+17.1pp | 82.4%+10.4pp | 68.9%+23.9pp |
| Annual return | 28.50% | 26.89%+1.6pp | 80.50%-52.0pp | 26.06%+2.4pp |
| Employer contribution / active EE | $6,754 | $3,371+100.3% | $4,624+46.0% | $2,596+160.1% |
| Participant deferral / active EE | $8,202 | $6,525+25.7% | $8,004+2.5% | $4,274+91.9% |
| Admin fee / account holder | $10,008 | $8,287+20.8% | $14,398-30.5% | $7,775+28.7% |