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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 | $72,939 | $106,864-31.7% | $147,318-50.5% | $82,637-11.7% |
| Participation rate | 97.6% | 75.5%+22.1pp | 82.1%+15.5pp | 68.1%+29.5pp |
| Annual return | 16.36% | 27.49%-11.1pp | 70.43%-54.1pp | 53.51%-37.1pp |
| Employer contribution / active EE | $4,022 | $3,417+17.7% | $4,593-12.4% | $2,552+57.6% |
| Participant deferral / active EE | $10,034 | $6,496+54.5% | $7,906+26.9% | $4,126+143.2% |
| Admin fee / account holder | $5,756 | $8,415-31.6% | $13,708-58.0% | $7,339-21.6% |