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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 | $59,955 | $65,361-8.3% | $92,903-35.5% | $72,983-17.9% |
| Participation rate | 89.3% | 68.3%+21.0pp | 76.0%+13.3pp | 69.5%+19.8pp |
| Annual return | 20.18% | 42.11%-21.9pp | 109.43%-89.3pp | 81.01%-60.8pp |
| Employer contribution / active EE | $2,597 | $2,594+0.1% | $3,653-28.9% | $2,440+6.4% |
| Participant deferral / active EE | $7,803 | $3,128+149.4% | $4,238+84.1% | $3,608+116.3% |
| Admin fee / account holder | $5,488 | $4,251+29.1% | $5,795-5.3% | $5,124+7.1% |