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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 | $66,037 | $80,985-18.5% | $96,576-31.6% | $75,181-12.2% |
| Participation rate | 81.6% | 71.8%+9.8pp | 76.0%+5.6pp | 67.2%+14.4pp |
| Annual return | 16.80% | 27.05%-10.2pp | 25.87%-9.1pp | 160.69%-143.9pp |
| Employer contribution / active EE | $7,975 | $2,282+249.4% | $2,965+169.0% | $2,671+198.6% |
| Participant deferral / active EE | $5,889 | $3,929+49.9% | $4,851+21.4% | $4,126+42.7% |
| Admin fee / account holder | $3,982 | $6,719-40.7% | $8,253-51.7% | $5,650-29.5% |