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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 | $67,921 | $98,766-31.2% | $149,730-54.6% | $79,852-14.9% |
| Participation rate | 95.7% | 75.8%+20.0pp | 82.5%+13.3pp | 69.6%+26.1pp |
| Annual return | 14.63% | 27.43%-12.8pp | 276.70%-262.1pp | 31.72%-17.1pp |
| Employer contribution / active EE | $3,223 | $3,217+0.2% | $4,645-30.6% | $2,471+30.4% |
| Participant deferral / active EE | $6,013 | $5,681+5.8% | $6,843-12.1% | $3,740+60.8% |
| Admin fee / account holder | $2,030 | $6,052-66.5% | $9,310-78.2% | $5,306-61.7% |