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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 | $62,488 | $76,407-18.2% | $150,298-58.4% | $82,448-24.2% |
| Participation rate | 93.8% | 66.4%+27.4pp | 77.8%+16.0pp | 68.1%+25.7pp |
| Annual return | 14.16% | 39.99%-25.8pp | 62.79%-48.6pp | 41.64%-27.5pp |
| Employer contribution / active EE | $2,960 | $2,614+13.2% | $4,154-28.8% | $2,551+16.0% |
| Participant deferral / active EE | $3,018 | $3,214-6.1% | $5,453-44.6% | $4,139-27.1% |
| Admin fee / account holder | $332 | $6,352-94.8% | $14,116-97.6% | $7,234-95.4% |