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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 | $68,551 | $54,541+25.7% | $78,778-13.0% | $70,124-2.2% |
| Participation rate | 93.3% | 60.8%+32.5pp | 69.2%+24.1pp | 69.5%+23.8pp |
| Annual return | 17.36% | 21.07%-3.7pp | 35.62%-18.3pp | 73.14%-55.8pp |
| Employer contribution / active EE | $6,898 | $1,089+533.7% | $1,986+247.4% | $2,342+194.5% |
| Participant deferral / active EE | $1,913 | $2,210-13.4% | $2,958-35.3% | $3,332-42.6% |
| Admin fee / account holder | $3,280 | $3,709-11.6% | $5,134-36.1% | $4,645-29.4% |