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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 | $73,728 | $118,467-37.8% | $98,450-25.1% | $139,456-47.1% |
| Participation rate | 83.3% | 77.5%+5.9pp | 75.2%+8.2pp | 80.3%+3.0pp |
| Annual return | 29.32% | 18.95%+10.4pp | 21.16%+8.2pp | 373.45%-344.1pp |
| Employer contribution / active EE | $4,891 | $3,611+35.5% | $3,049+60.4% | $4,753+2.9% |
| Participant deferral / active EE | $11,226 | $5,393+108.1% | $4,739+136.9% | $6,711+67.3% |
| Admin fee / account holder | $5,845 | $14,057-58.4% | $8,961-34.8% | $11,407-48.8% |