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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 | $57,057+51.0% | $85,009+1.3% | $80,874+6.5% |
| Participation rate | 97.6% | 56.4%+41.2pp | 67.5%+30.1pp | 67.6%+29.9pp |
| Annual return | 17.76% | 21.66%-3.9pp | 66.47%-48.7pp | 35.62%-17.9pp |
| Employer contribution / active EE | $19,651 | $1,799+992.5% | $2,728+620.2% | $2,756+613.1% |
| Participant deferral / active EE | $14,021 | $3,112+350.6% | $4,522+210.1% | $4,297+226.3% |
| Admin fee / account holder | $2,343 | $4,986-53.0% | $6,153-61.9% | $6,935-66.2% |