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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 | $65,770 | $73,978-11.1% | $96,515-31.9% | $75,173-12.5% |
| Participation rate | 88.9% | 66.4%+22.5pp | 74.3%+14.5pp | 67.2%+21.7pp |
| Annual return | 18.29% | 26.72%-8.4pp | 35.73%-17.4pp | 160.72%-142.4pp |
| Employer contribution / active EE | $4,639 | $2,931+58.3% | $3,740+24.0% | $2,671+73.7% |
| Participant deferral / active EE | $2,755 | $3,660-24.7% | $4,880-43.6% | $4,126-33.2% |
| Admin fee / account holder | $759 | $5,219-85.5% | $6,735-88.7% | $5,651-86.6% |