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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 | $79,075 | $209,336-62.2% | $197,124-59.9% | $137,256-42.4% |
| Participation rate | 90.0% | 87.3%+2.7pp | 86.7%+3.3pp | 80.0%+10.0pp |
| Annual return | 14.05% | 48.09%-34.0pp | 44.34%-30.3pp | 220.34%-206.3pp |
| Employer contribution / active EE | $9,097 | $6,591+38.0% | $6,227+46.1% | $4,156+118.9% |
| Participant deferral / active EE | $14,596 | $9,614+51.8% | $9,135+59.8% | $6,407+127.8% |
| Admin fee / account holder | $596 | $17,308-96.6% | $16,298-96.3% | $12,270-95.1% |