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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 | $71,246 | $78,520-9.3% | $96,576-26.2% | $82,448-13.6% |
| Participation rate | 97.3% | 77.7%+19.6pp | 81.4%+15.9pp | 68.1%+29.2pp |
| Annual return | 22.13% | 41.30%-19.2pp | 38.47%-16.3pp | 41.64%-19.5pp |
| Employer contribution / active EE | $4,852 | $2,630+84.5% | $3,553+36.6% | $2,551+90.2% |
| Participant deferral / active EE | $7,617 | $6,754+12.8% | $7,956-4.3% | $4,139+84.0% |
| Admin fee / account holder | $2,335 | $13,455-82.6% | $11,381-79.5% | $7,234-67.7% |