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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 | $62,383 | $65,027-4.1% | $90,970-31.4% | $79,852-21.9% |
| Participation rate | 98.7% | 61.6%+37.1pp | 69.0%+29.7pp | 69.6%+29.1pp |
| Annual return | 14.84% | 30.45%-15.6pp | 134.58%-119.7pp | 31.72%-16.9pp |
| Employer contribution / active EE | $2,266 | $1,247+81.6% | $2,122+6.7% | $2,471-8.3% |
| Participant deferral / active EE | $5,498 | $2,512+118.9% | $3,373+63.0% | $3,740+47.0% |
| Admin fee / account holder | $7,861 | $4,535+73.3% | $5,960+31.9% | $5,306+48.1% |