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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 | $86,781 | $101,798-14.8% | $165,071-47.4% | $80,935+7.2% |
| Participation rate | 95.7% | 71.8%+23.9pp | 78.6%+17.1pp | 67.7%+28.1pp |
| Annual return | 23.89% | 16.73%+7.2pp | 70.17%-46.3pp | 35.66%-11.8pp |
| Employer contribution / active EE | $7,998 | $2,954+170.7% | $4,347+84.0% | $2,757+190.1% |
| Participant deferral / active EE | $20,845 | $4,476+365.7% | $6,035+245.4% | $4,299+384.8% |
| Admin fee / account holder | $1,444 | $8,221-82.4% | $12,695-88.6% | $6,924-79.1% |