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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 | $77,917 | $62,592+24.5% | $85,709-9.1% | $85,847-9.2% |
| Participation rate | 94.2% | 61.1%+33.1pp | 69.9%+24.4pp | 69.3%+24.9pp |
| Annual return | 18.29% | 23.77%-5.5pp | 21.49%-3.2pp | 318.61%-300.3pp |
| Employer contribution / active EE | $6,909 | $1,755+293.6% | $2,619+163.8% | $2,565+169.3% |
| Participant deferral / active EE | $2,678 | $2,802-4.4% | $3,924-31.7% | $3,952-32.2% |
| Admin fee / account holder | $1,483 | $4,643-68.1% | $6,876-78.4% | $6,261-76.3% |