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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 | $81,923 | $71,208+15.0% | $93,681-12.6% | $80,911+1.3% |
| Participation rate | 97.0% | 60.4%+36.6pp | 68.7%+28.2pp | 67.6%+29.3pp |
| Annual return | 16.40% | 11.27%+5.1pp | 133.47%-117.1pp | 35.63%-19.2pp |
| Employer contribution / active EE | $4,018 | $1,564+156.8% | $2,422+65.9% | $2,756+45.8% |
| Participant deferral / active EE | $10,106 | $4,035+150.5% | $4,415+128.9% | $4,297+135.2% |
| Admin fee / account holder | $3,984 | $6,951-42.7% | $8,290-51.9% | $6,935-42.6% |