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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 | $54,516 | $72,273-24.6% | $101,275-46.2% | $79,856-31.7% |
| Participation rate | 98.1% | 68.5%+29.6pp | 75.8%+22.3pp | 69.6%+28.4pp |
| Annual return | 18.43% | 22.30%-3.9pp | 46.48%-28.1pp | 31.71%-13.3pp |
| Employer contribution / active EE | $6,505 | $2,691+141.7% | $3,660+77.7% | $2,471+163.2% |
| Participant deferral / active EE | $5,801 | $3,282+76.8% | $4,371+32.7% | $3,741+55.1% |
| Admin fee / account holder | $6,105 | $4,401+38.7% | $5,948+2.6% | $5,306+15.0% |