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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 | $73,809 | $80,983-8.9% | $96,544-23.5% | $75,177-1.8% |
| Participation rate | 93.0% | 71.8%+21.2pp | 76.0%+17.0pp | 67.2%+25.8pp |
| Annual return | 16.30% | 27.05%-10.8pp | 25.88%-9.6pp | 160.75%-144.4pp |
| Employer contribution / active EE | $2,800 | $2,282+22.7% | $2,966-5.6% | $2,671+4.8% |
| Participant deferral / active EE | $6,026 | $3,929+53.4% | $4,851+24.2% | $4,126+46.0% |
| Admin fee / account holder | $10,098 | $6,717+50.3% | $8,254+22.3% | $5,651+78.7% |