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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 | $77,814-21.7% | $158,223-61.5% | $86,983-30.0% |
| Participation rate | 96.0% | 68.4%+27.6pp | 79.2%+16.8pp | 69.5%+26.5pp |
| Annual return | 19.86% | 30.54%-10.7pp | 52.09%-32.2pp | 25.83%-6.0pp |
| Employer contribution / active EE | $2,716 | $2,592+4.8% | $4,109-33.9% | $2,584+5.1% |
| Participant deferral / active EE | $6,128 | $3,270+87.4% | $5,467+12.1% | $4,194+46.1% |
| Admin fee / account holder | $5,051 | $5,879-14.1% | $16,047-68.5% | $7,856-35.7% |