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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 | $58,688 | $72,177-18.7% | $115,038-49.0% | $59,633-1.6% |
| Participation rate | 97.3% | 72.6%+24.7pp | 81.4%+15.9pp | 68.7%+28.6pp |
| Annual return | 4.66% | 12.02%-7.4pp | 26.14%-21.5pp | 2041.45%-2036.8pp |
| Employer contribution / active EE | $10,090 | $2,841+255.1% | $4,608+119.0% | $2,203+358.1% |
| Participant deferral / active EE | $5,629 | $4,783+17.7% | $6,026-6.6% | $3,192+76.4% |
| Admin fee / account holder | $5,319 | $4,927+8.0% | $8,175-34.9% | $4,297+23.8% |