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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 | $58,237 | $94,031-38.1% | $115,768-49.7% | $82,448-29.4% |
| Participation rate | 96.4% | 70.4%+26.0pp | 74.4%+22.0pp | 68.1%+28.4pp |
| Annual return | 17.36% | 20.61%-3.3pp | 100.46%-83.1pp | 41.64%-24.3pp |
| Employer contribution / active EE | $3,085 | $2,323+32.8% | $2,940+5.0% | $2,551+21.0% |
| Participant deferral / active EE | $11,007 | $3,972+177.1% | $4,917+123.9% | $4,139+165.9% |
| Admin fee / account holder | $5,644 | $10,249-44.9% | $12,439-54.6% | $7,234-22.0% |