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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 | $64,782 | $71,197-9.0% | $93,669-30.8% | $80,925-19.9% |
| Participation rate | 94.7% | 60.4%+34.3pp | 68.7%+26.0pp | 67.7%+27.1pp |
| Annual return | 34.89% | 11.27%+23.6pp | 133.59%-98.7pp | 35.65%-0.8pp |
| Employer contribution / active EE | $2,635 | $1,565+68.4% | $2,424+8.7% | $2,756-4.4% |
| Participant deferral / active EE | $5,202 | $4,036+28.9% | $4,416+17.8% | $4,299+21.0% |
| Admin fee / account holder | $1,370 | $6,959-80.3% | $8,291-83.5% | $6,940-80.3% |