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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 | $97,648-40.4% | $121,663-52.1% | $87,485-33.4% |
| Participation rate | 96.4% | 70.5%+26.0pp | 74.5%+21.9pp | 68.9%+27.5pp |
| Annual return | 17.36% | 18.03%-0.7pp | 147.54%-130.2pp | 26.06%-8.7pp |
| Employer contribution / active EE | $3,085 | $2,300+34.1% | $3,020+2.2% | $2,596+18.8% |
| Participant deferral / active EE | $11,007 | $3,923+180.6% | $4,887+125.2% | $4,274+157.6% |
| Admin fee / account holder | $5,644 | $11,100-49.2% | $14,289-60.5% | $7,775-27.4% |