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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 | $65,076 | $59,440+9.5% | $78,004-16.6% | $82,637-21.3% |
| Participation rate | 83.3% | 62.8%+20.5pp | 69.4%+13.9pp | 68.1%+15.3pp |
| Annual return | 17.65% | 40.24%-22.6pp | 31.07%-13.4pp | 53.51%-35.9pp |
| Employer contribution / active EE | $4,637 | $1,750+164.9% | $2,469+87.8% | $2,552+81.7% |
| Participant deferral / active EE | $7,692 | $3,138+145.1% | $4,092+88.0% | $4,126+86.4% |
| Admin fee / account holder | $4,219 | $5,504-23.3% | $7,578-44.3% | $7,339-42.5% |