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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 | $67,923 | $110,307-38.4% | $96,576-29.7% | $139,456-51.3% |
| Participation rate | 91.3% | 78.1%+13.2pp | 76.0%+15.3pp | 80.3%+11.0pp |
| Annual return | 11.89% | 26.40%-14.5pp | 25.87%-14.0pp | 373.45%-361.6pp |
| Employer contribution / active EE | $3,084 | $3,619-14.8% | $2,965+4.0% | $4,753-35.1% |
| Participant deferral / active EE | $7,594 | $5,547+36.9% | $4,851+56.6% | $6,711+13.2% |
| Admin fee / account holder | $12,225 | $11,597+5.4% | $8,253+48.1% | $11,407+7.2% |