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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 | $75,239 | $99,875-24.7% | $146,866-48.8% | $86,983-13.5% |
| Participation rate | 91.3% | 75.8%+15.5pp | 82.5%+8.8pp | 69.5%+21.8pp |
| Annual return | 23.07% | 28.10%-5.0pp | 102.85%-79.8pp | 25.83%-2.8pp |
| Employer contribution / active EE | $6,652 | $3,224+106.3% | $4,425+50.3% | $2,584+157.4% |
| Participant deferral / active EE | $12,085 | $6,322+91.1% | $7,759+55.7% | $4,194+188.2% |
| Admin fee / account holder | $3,503 | $7,838-55.3% | $13,620-74.3% | $7,856-55.4% |