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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 | $57,832 | $89,652-35.5% | $141,197-59.0% | $65,186-11.3% |
| Participation rate | 94.6% | 74.7%+19.9pp | 82.5%+12.2pp | 70.2%+24.4pp |
| Annual return | 26.09% | 32.79%-6.7pp | 71.41%-45.3pp | 29.39%-3.3pp |
| Employer contribution / active EE | $3,683 | $3,065+20.2% | $4,736-22.2% | $2,177+69.2% |
| Participant deferral / active EE | $6,702 | $5,691+17.8% | $6,710-0.1% | $3,514+90.7% |
| Admin fee / account holder | $4,208 | $569+640.2% | $10,265-59.0% | $847+396.7% |