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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 | $94,571 | $99,875-5.3% | $146,866-35.6% | $86,983+8.7% |
| Participation rate | 95.1% | 75.8%+19.3pp | 82.5%+12.6pp | 69.5%+25.6pp |
| Annual return | 22.53% | 28.10%-5.6pp | 102.85%-80.3pp | 25.83%-3.3pp |
| Employer contribution / active EE | $8,145 | $3,224+152.6% | $4,425+84.1% | $2,584+215.2% |
| Participant deferral / active EE | $14,503 | $6,322+129.4% | $7,759+86.9% | $4,194+245.8% |
| Admin fee / account holder | $6,555 | $7,838-16.4% | $13,620-51.9% | $7,856-16.6% |