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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 | $72,597 | $87,132-16.7% | $105,624-31.3% | $80,959-10.3% |
| Participation rate | 98.5% | 70.4%+28.1pp | 75.3%+23.2pp | 67.7%+30.8pp |
| Annual return | 14.72% | 17.03%-2.3pp | 116.20%-101.5pp | 35.67%-21.0pp |
| Employer contribution / active EE | $2,946 | $2,397+22.9% | $3,168-7.0% | $2,757+6.8% |
| Participant deferral / active EE | $5,754 | $3,985+44.4% | $5,013+14.8% | $4,300+33.8% |
| Admin fee / account holder | $599 | $8,449-92.9% | $10,961-94.5% | $6,925-91.3% |