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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 | $70,900 | $73,940-4.1% | $96,496-26.5% | $75,173-5.7% |
| Participation rate | 82.6% | 66.4%+16.2pp | 74.3%+8.3pp | 67.2%+15.4pp |
| Annual return | 19.96% | 26.71%-6.8pp | 35.70%-15.7pp | 160.65%-140.7pp |
| Employer contribution / active EE | $16,371 | $2,929+458.9% | $3,738+338.0% | $2,670+513.1% |
| Participant deferral / active EE | $2,191 | $3,659-40.1% | $4,879-55.1% | $4,126-46.9% |
| Admin fee / account holder | $4,101 | $5,216-21.4% | $6,731-39.1% | $5,651-27.4% |