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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 | $63,081 | $47,848+31.8% | $81,473-22.6% | $70,126-10.0% |
| Participation rate | 97.7% | 58.3%+39.5pp | 68.0%+29.8pp | 69.5%+28.2pp |
| Annual return | 18.90% | 27.25%-8.3pp | 38.78%-19.9pp | 73.15%-54.2pp |
| Employer contribution / active EE | $5,856 | $1,527+283.4% | $2,568+128.0% | $2,343+150.0% |
| Participant deferral / active EE | $5,284 | $2,453+115.4% | $3,537+49.4% | $3,332+58.6% |
| Admin fee / account holder | $2,299 | $3,145-26.9% | $4,561-49.6% | $4,645-50.5% |