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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 | $61,167 | $77,908-21.5% | $149,696-59.1% | $75,173-18.6% |
| Participation rate | 90.6% | 65.6%+25.0pp | 78.8%+11.8pp | 67.2%+23.4pp |
| Annual return | 16.41% | 31.73%-15.3pp | 134.46%-118.0pp | 160.72%-144.3pp |
| Employer contribution / active EE | $3,076 | $3,138-2.0% | $4,821-36.2% | $2,671+15.2% |
| Participant deferral / active EE | $6,387 | $3,411+87.2% | $5,682+12.4% | $4,126+54.8% |
| Admin fee / account holder | $572 | $5,950-90.4% | $13,212-95.7% | $5,651-89.9% |