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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 | $86,145 | $57,073+50.9% | $85,126+1.2% | $80,925+6.5% |
| Participation rate | 97.6% | 56.4%+41.2pp | 67.5%+30.0pp | 67.7%+29.9pp |
| Annual return | 17.76% | 21.69%-3.9pp | 66.63%-48.9pp | 35.65%-17.9pp |
| Employer contribution / active EE | $19,651 | $1,801+991.3% | $2,731+619.5% | $2,756+612.9% |
| Participant deferral / active EE | $14,021 | $3,113+350.4% | $4,523+210.0% | $4,299+226.2% |
| Admin fee / account holder | $2,343 | $4,988-53.0% | $6,160-62.0% | $6,940-66.2% |