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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 | $61,076 | $73,978-17.4% | $96,515-36.7% | $75,173-18.8% |
| Participation rate | 86.3% | 66.4%+19.8pp | 74.3%+11.9pp | 67.2%+19.1pp |
| Annual return | 22.75% | 26.72%-4.0pp | 35.73%-13.0pp | 160.72%-138.0pp |
| Employer contribution / active EE | $3,588 | $2,931+22.4% | $3,740-4.0% | $2,671+34.3% |
| Participant deferral / active EE | $7,751 | $3,660+111.8% | $4,880+58.9% | $4,126+87.9% |
| Admin fee / account holder | $10,397 | $5,219+99.2% | $6,735+54.4% | $5,651+84.0% |