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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 | $60,077 | $93,617-35.8% | $135,982-55.8% | $75,177-20.1% |
| Participation rate | 98.4% | 75.2%+23.2pp | 81.9%+16.4pp | 67.2%+31.2pp |
| Annual return | 25.45% | 30.89%-5.4pp | 68.32%-42.9pp | 160.75%-135.3pp |
| Employer contribution / active EE | $6,515 | $3,538+84.1% | $4,859+34.1% | $2,671+143.9% |
| Participant deferral / active EE | $6,871 | $6,406+7.3% | $7,760-11.5% | $4,126+66.5% |
| Admin fee / account holder | $2,642 | $6,980-62.1% | $10,767-75.5% | $5,651-53.2% |