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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 | $61,719 | $89,259-30.9% | $107,187-42.4% | $82,637-25.3% |
| Participation rate | 90.3% | 67.9%+22.4pp | 75.0%+15.3pp | 68.1%+22.3pp |
| Annual return | 18.60% | 21.02%-2.4pp | 204.55%-185.9pp | 53.51%-34.9pp |
| Employer contribution / active EE | $3,672 | $3,080+19.2% | $3,782-2.9% | $2,552+43.9% |
| Participant deferral / active EE | $9,106 | $4,037+125.5% | $5,096+78.7% | $4,126+120.7% |
| Admin fee / account holder | $7,382 | $7,3810% | $9,162-19.4% | $7,339+0.6% |