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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 | $62,292 | $57,352+8.6% | $83,830-25.7% | $64,173-2.9% |
| Participation rate | 95.8% | 68.6%+27.2pp | 76.1%+19.7pp | 69.6%+26.3pp |
| Annual return | 18.02% | 11.38%+6.6pp | 850.97%-833.0pp | 7.63%+10.4pp |
| Employer contribution / active EE | $2,642 | $2,546+3.8% | $3,631-27.2% | $2,381+11.0% |
| Participant deferral / active EE | $3,675 | $2,993+22.8% | $4,082-10.0% | $3,470+5.9% |
| Admin fee / account holder | $1,369 | $4,046-66.2% | $5,479-75.0% | $4,887-72.0% |