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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 | $71,848 | $67,602+6.3% | $82,312-12.7% | $70,126+2.5% |
| Participation rate | 98.6% | 72.8%+25.8pp | 76.9%+21.7pp | 69.5%+29.1pp |
| Annual return | 14.87% | 21.57%-6.7pp | 25.88%-11.0pp | 73.15%-58.3pp |
| Employer contribution / active EE | $6,111 | $1,755+248.2% | $2,428+151.6% | $2,343+160.9% |
| Participant deferral / active EE | $3,509 | $2,987+17.5% | $3,706-5.3% | $3,332+5.3% |
| Admin fee / account holder | $4,599 | $4,512+1.9% | $5,608-18.0% | $4,645-1.0% |