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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 | $67,884 | $98,776-31.3% | $149,745-54.7% | $79,856-15.0% |
| Participation rate | 96.3% | 75.8%+20.5pp | 82.5%+13.8pp | 69.6%+26.7pp |
| Annual return | 25.38% | 27.38%-2.0pp | 276.72%-251.3pp | 31.71%-6.3pp |
| Employer contribution / active EE | $3,149 | $3,217-2.1% | $4,646-32.2% | $2,471+27.4% |
| Participant deferral / active EE | $6,451 | $5,681+13.6% | $6,843-5.7% | $3,741+72.5% |
| Admin fee / account holder | $2,254 | $6,053-62.8% | $9,312-75.8% | $5,306-57.5% |