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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 | $66,141 | $58,828+12.4% | $78,002-15.2% | $62,881+5.2% |
| Participation rate | 82.4% | 71.1%+11.3pp | 75.5%+6.8pp | 69.3%+13.0pp |
| Annual return | 11.22% | 17.16%-5.9pp | 425.99%-414.8pp | 20.14%-8.9pp |
| Employer contribution / active EE | $1,396 | $1,672-16.5% | $2,470-43.5% | $2,281-38.8% |
| Participant deferral / active EE | $4,375 | $2,686+62.9% | $3,497+25.1% | $3,203+36.6% |
| Admin fee / account holder | $1,097 | $4,393-75.0% | $5,481-80.0% | $4,296-74.5% |