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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 | $66,540 | $72,269-7.9% | $101,271-34.3% | $79,852-16.7% |
| Participation rate | 96.9% | 68.5%+28.4pp | 75.8%+21.1pp | 69.6%+27.2pp |
| Annual return | 16.02% | 22.29%-6.3pp | 46.48%-30.5pp | 31.72%-15.7pp |
| Employer contribution / active EE | $11,634 | $2,692+332.2% | $3,660+217.9% | $2,471+370.8% |
| Participant deferral / active EE | $2,170 | $3,282-33.9% | $4,371-50.3% | $3,740-42.0% |
| Admin fee / account holder | $1,653 | $4,401-62.4% | $5,948-72.2% | $5,306-68.8% |