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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 | $59,816 | $69,977-14.5% | $108,582-44.9% | $62,881-4.9% |
| Participation rate | 98.7% | 72.9%+25.8pp | 79.6%+19.1pp | 69.3%+29.4pp |
| Annual return | 7.96% | 10.73%-2.8pp | -51.70%+59.7pp | 20.14%-12.2pp |
| Employer contribution / active EE | $14,817 | $2,135+594.0% | $3,758+294.2% | $2,281+549.6% |
| Participant deferral / active EE | $3,593 | $3,165+13.5% | $4,311-16.6% | $3,203+12.2% |
| Admin fee / account holder | $4,285 | $5,076-15.6% | $7,645-43.9% | $4,296-0.2% |