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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 | $60,925 | $75,541-19.3% | $152,093-59.9% | $82,637-26.3% |
| Participation rate | 96.0% | 66.5%+29.5pp | 77.8%+18.2pp | 68.1%+27.9pp |
| Annual return | 19.86% | 32.56%-12.7pp | 66.36%-46.5pp | 53.51%-33.7pp |
| Employer contribution / active EE | $2,716 | $2,622+3.6% | $4,175-34.9% | $2,552+6.4% |
| Participant deferral / active EE | $6,128 | $3,206+91.2% | $5,451+12.4% | $4,126+48.5% |
| Admin fee / account holder | $5,051 | $6,405-21.1% | $14,497-65.2% | $7,339-31.2% |