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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 | $55,291 | $77,472-28.6% | $100,392-44.9% | $80,935-31.7% |
| Participation rate | 92.2% | 76.9%+15.2pp | 81.5%+10.7pp | 67.7%+24.5pp |
| Annual return | 16.68% | 37.26%-20.6pp | 49.45%-32.8pp | 35.66%-19.0pp |
| Employer contribution / active EE | $6,976 | $2,800+149.1% | $3,941+77.0% | $2,757+153.0% |
| Participant deferral / active EE | $15,060 | $6,818+120.9% | $8,090+86.2% | $4,299+250.3% |
| Admin fee / account holder | $6,082 | $5,885+3.4% | $7,904-23.1% | $6,924-12.2% |