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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 | $60,666 | $52,580+15.4% | $71,671-15.4% | $70,126-13.5% |
| Participation rate | 94.4% | 60.9%+33.6pp | 68.7%+25.7pp | 69.5%+24.9pp |
| Annual return | 14.20% | 20.25%-6.1pp | 20.65%-6.4pp | 73.15%-58.9pp |
| Employer contribution / active EE | $1,955 | $1,616+21.0% | $2,460-20.5% | $2,343-16.6% |
| Participant deferral / active EE | $9,591 | $2,386+301.9% | $3,438+179.0% | $3,332+187.9% |
| Admin fee / account holder | $3,259 | $3,653-10.8% | $5,558-41.4% | $4,645-29.9% |