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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 | $62,286 | $73,978-15.8% | $96,515-35.5% | $75,173-17.1% |
| Participation rate | 85.2% | 66.4%+18.8pp | 74.3%+10.8pp | 67.2%+18.0pp |
| Annual return | 17.35% | 26.72%-9.4pp | 35.73%-18.4pp | 160.72%-143.4pp |
| Employer contribution / active EE | $8,988 | $2,931+206.7% | $3,740+140.4% | $2,671+236.5% |
| Participant deferral / active EE | $5,095 | $3,660+39.2% | $4,880+4.4% | $4,126+23.5% |
| Admin fee / account holder | $4,826 | $5,219-7.5% | $6,735-28.3% | $5,651-14.6% |