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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 | $30,090 | $124,425-75.8% | $112,040-73.1% | $137,256-78.1% |
| Participation rate | 94.1% | 79.3%+14.8pp | 76.5%+17.6pp | 80.0%+14.2pp |
| Annual return | 18.70% | 24.72%-6.0pp | 24.52%-5.8pp | 220.34%-201.6pp |
| Employer contribution / active EE | $4,026 | $3,411+18.0% | $2,954+36.3% | $4,156-3.1% |
| Participant deferral / active EE | $6,597 | $5,718+15.4% | $5,098+29.4% | $6,407+3.0% |
| Admin fee / account holder | $5,798 | $15,207-61.9% | $12,098-52.1% | $12,270-52.7% |