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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 | $64,632 | $111,535-42.1% | $105,223-38.6% | $137,256-52.9% |
| Participation rate | 94.7% | 78.1%+16.6pp | 75.0%+19.7pp | 80.0%+14.8pp |
| Annual return | 17.16% | 237.85%-220.7pp | 180.65%-163.5pp | 220.34%-203.2pp |
| Employer contribution / active EE | $3,959 | $3,939+0.5% | $3,689+7.3% | $4,156-4.7% |
| Participant deferral / active EE | $10,135 | $5,500+84.3% | $5,072+99.8% | $6,407+58.2% |
| Admin fee / account holder | $3,479 | $9,721-64.2% | $8,859-60.7% | $12,270-71.6% |