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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 | $93,345-30.3% | $119,126-45.4% | $87,485-25.7% |
| Participation rate | 97.1% | 68.7%+28.3pp | 75.8%+21.3pp | 68.9%+28.1pp |
| Annual return | 18.29% | 19.08%-0.8pp | 282.11%-263.8pp | 26.06%-7.8pp |
| Employer contribution / active EE | $3,099 | $3,172-2.3% | $4,034-23.2% | $2,596+19.4% |
| Participant deferral / active EE | $5,555 | $4,099+35.5% | $5,318+4.5% | $4,274+30.0% |
| Admin fee / account holder | $6,401 | $8,039-20.4% | $10,693-40.1% | $7,775-17.7% |