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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 | $65,022 | $88,672-26.7% | $105,223-38.2% | $82,448-21.1% |
| Participation rate | 97.1% | 67.9%+29.1pp | 75.0%+22.0pp | 68.1%+29.0pp |
| Annual return | 18.29% | 30.86%-12.6pp | 180.65%-162.4pp | 41.64%-23.4pp |
| Employer contribution / active EE | $3,099 | $3,048+1.7% | $3,689-16.0% | $2,551+21.5% |
| Participant deferral / active EE | $5,555 | $4,036+37.6% | $5,072+9.5% | $4,139+34.2% |
| Admin fee / account holder | $6,401 | $7,146-10.4% | $8,859-27.7% | $7,234-11.5% |