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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 | $59,645 | $89,259-33.2% | $107,187-44.4% | $82,637-27.8% |
| Participation rate | 93.9% | 67.9%+25.9pp | 75.0%+18.9pp | 68.1%+25.8pp |
| Annual return | 24.17% | 21.02%+3.1pp | 204.55%-180.4pp | 53.51%-29.3pp |
| Employer contribution / active EE | $5,175 | $3,080+68.0% | $3,782+36.8% | $2,552+102.8% |
| Participant deferral / active EE | $5,631 | $4,037+39.5% | $5,096+10.5% | $4,126+36.5% |
| Admin fee / account holder | $8,784 | $7,381+19.0% | $9,162-4.1% | $7,339+19.7% |