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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 | $70,816 | $72,272-2.0% | $101,264-30.1% | $79,858-11.3% |
| Participation rate | 92.0% | 68.5%+23.5pp | 75.8%+16.2pp | 69.6%+22.4pp |
| Annual return | 15.23% | 22.30%-7.1pp | 46.48%-31.3pp | 31.72%-16.5pp |
| Employer contribution / active EE | $9,251 | $2,692+243.7% | $3,660+152.8% | $2,471+274.4% |
| Participant deferral / active EE | $5,321 | $3,282+62.2% | $4,370+21.8% | $3,740+42.3% |
| Admin fee / account holder | $4,539 | $4,401+3.1% | $5,947-23.7% | $5,306-14.5% |