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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 | $68,847 | $98,760-30.3% | $149,715-54.0% | $79,858-13.8% |
| Participation rate | 89.4% | 75.8%+13.6pp | 82.5%+6.9pp | 69.6%+19.8pp |
| Annual return | 19.30% | 27.43%-8.1pp | 276.66%-257.4pp | 31.72%-12.4pp |
| Employer contribution / active EE | $5,002 | $3,217+55.5% | $4,645+7.7% | $2,471+102.4% |
| Participant deferral / active EE | $11,570 | $5,681+103.7% | $6,842+69.1% | $3,740+209.3% |
| Admin fee / account holder | $7,332 | $6,053+21.1% | $9,310-21.2% | $5,306+38.2% |