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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 | $71,728 | $72,486-1.0% | $87,103-17.7% | $72,976-1.7% |
| Participation rate | 88.0% | 72.8%+15.2pp | 76.9%+11.1pp | 69.5%+18.5pp |
| Annual return | 18.75% | 24.46%-5.7pp | 28.19%-9.4pp | 81.02%-62.3pp |
| Employer contribution / active EE | $5,827 | $1,894+207.7% | $2,521+131.1% | $2,440+138.8% |
| Participant deferral / active EE | $6,265 | $3,270+91.6% | $4,049+54.7% | $3,608+73.7% |
| Admin fee / account holder | $1,903 | $5,055-62.3% | $7,491-74.6% | $5,124-62.9% |