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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 | $81,306 | $112,729-27.9% | $98,716-17.6% | $137,256-40.8% |
| Participation rate | 93.8% | 74.2%+19.5pp | 69.3%+24.5pp | 80.0%+13.8pp |
| Annual return | 18.29% | 38.48%-20.2pp | 31.81%-13.5pp | 220.34%-202.1pp |
| Employer contribution / active EE | $5,264 | $2,725+93.1% | $2,279+131.0% | $4,156+26.7% |
| Participant deferral / active EE | $5,870 | $4,640+26.5% | $4,048+45.0% | $6,407-8.4% |
| Admin fee / account holder | $4,865 | $10,129-52.0% | $8,703-44.1% | $12,270-60.3% |