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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 | $65,113 | $98,760-34.1% | $149,715-56.5% | $79,858-18.5% |
| Participation rate | 96.4% | 75.8%+20.6pp | 82.5%+13.9pp | 69.6%+26.7pp |
| Annual return | 15.14% | 27.43%-12.3pp | 276.66%-261.5pp | 31.72%-16.6pp |
| Employer contribution / active EE | $3,315 | $3,217+3.0% | $4,645-28.6% | $2,471+34.2% |
| Participant deferral / active EE | $7,829 | $5,681+37.8% | $6,842+14.4% | $3,740+109.3% |
| Admin fee / account holder | $5,779 | $6,053-4.5% | $9,310-37.9% | $5,306+8.9% |