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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 | $87,059-16.6% | $105,608-31.3% | $80,925-10.3% |
| Participation rate | 98.5% | 70.4%+28.1pp | 75.3%+23.2pp | 67.7%+30.8pp |
| Annual return | 14.72% | 17.05%-2.3pp | 116.50%-101.8pp | 35.65%-20.9pp |
| Employer contribution / active EE | $2,946 | $2,396+22.9% | $3,167-7.0% | $2,756+6.9% |
| Participant deferral / active EE | $5,754 | $3,986+44.4% | $5,010+14.9% | $4,299+33.9% |
| Admin fee / account holder | $599 | $8,443-92.9% | $11,028-94.6% | $6,940-91.4% |