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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 | $71,123 | $84,236-15.6% | $170,435-58.3% | $70,126+1.4% |
| Participation rate | 97.3% | 70.8%+26.5pp | 83.6%+13.7pp | 69.5%+27.8pp |
| Annual return | 18.31% | 23.06%-4.7pp | 205.94%-187.6pp | 73.15%-54.8pp |
| Employer contribution / active EE | $4,481 | $3,387+32.3% | $5,432-17.5% | $2,343+91.3% |
| Participant deferral / active EE | $2,959 | $3,086-4.1% | $4,939-40.1% | $3,332-11.2% |
| Admin fee / account holder | $3,349 | $5,698-41.2% | $13,881-75.9% | $4,645-27.9% |