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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 | $77,358-7.9% | $102,184-30.3% | $87,485-18.6% |
| Participation rate | 97.3% | 78.7%+18.6pp | 82.6%+14.7pp | 68.9%+28.4pp |
| Annual return | 22.13% | 41.11%-19.0pp | 31.58%-9.4pp | 26.06%-3.9pp |
| Employer contribution / active EE | $4,852 | $2,562+89.4% | $3,594+35.0% | $2,596+86.9% |
| Participant deferral / active EE | $7,617 | $6,753+12.8% | $8,309-8.3% | $4,274+78.2% |
| Admin fee / account holder | $2,335 | $6,809-65.7% | $11,609-79.9% | $7,775-70.0% |