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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 | $72,420 | $76,407-5.2% | $150,298-51.8% | $82,448-12.2% |
| Participation rate | 96.0% | 66.4%+29.6pp | 77.8%+18.2pp | 68.1%+27.9pp |
| Annual return | 17.10% | 39.99%-22.9pp | 62.79%-45.7pp | 41.64%-24.5pp |
| Employer contribution / active EE | $5,553 | $2,614+112.4% | $4,154+33.7% | $2,551+117.7% |
| Participant deferral / active EE | $3,980 | $3,214+23.8% | $5,453-27.0% | $4,139-3.9% |
| Admin fee / account holder | $3,277 | $6,352-48.4% | $14,116-76.8% | $7,234-54.7% |