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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 | $59,744 | $78,423-23.8% | $95,964-37.7% | $79,856-25.2% |
| Participation rate | 88.9% | 73.5%+15.4pp | 77.1%+11.8pp | 69.6%+19.2pp |
| Annual return | 21.09% | 19.37%+1.7pp | 91.64%-70.6pp | 31.71%-10.6pp |
| Employer contribution / active EE | $3,118 | $1,945+60.2% | $2,541+22.7% | $2,471+26.2% |
| Participant deferral / active EE | $3,817 | $3,440+11.0% | $4,167-8.4% | $3,741+2.0% |
| Admin fee / account holder | $3,206 | $5,622-43.0% | $6,797-52.8% | $5,306-39.6% |