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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 | $62,591 | $72,177-13.3% | $115,037-45.6% | $59,633+5.0% |
| Participation rate | 96.8% | 72.6%+24.2pp | 81.4%+15.4pp | 68.7%+28.1pp |
| Annual return | 14.16% | 12.02%+2.1pp | 26.14%-12.0pp | 2041.40%-2027.2pp |
| Employer contribution / active EE | $4,658 | $2,841+63.9% | $4,608+1.1% | $2,203+111.5% |
| Participant deferral / active EE | $13,707 | $4,783+186.6% | $6,026+127.4% | $3,192+329.5% |
| Admin fee / account holder | $6,787 | $4,927+37.8% | $8,175-17.0% | $4,297+57.9% |