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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 | $72,686 | $83,485-12.9% | $125,195-41.9% | $72,976-0.4% |
| Participation rate | 97.6% | 73.3%+24.3pp | 79.8%+17.8pp | 69.5%+28.1pp |
| Annual return | 20.66% | 25.77%-5.1pp | 43.79%-23.1pp | 81.02%-60.4pp |
| Employer contribution / active EE | $6,222 | $2,346+165.2% | $3,866+60.9% | $2,440+155.0% |
| Participant deferral / active EE | $5,305 | $3,586+47.9% | $4,937+7.4% | $3,608+47.0% |
| Admin fee / account holder | $3,439 | $5,518-37.7% | $9,704-64.6% | $5,124-32.9% |