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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 | $55,255 | $93,589-41.0% | $135,942-59.4% | $75,181-26.5% |
| Participation rate | 94.7% | 75.2%+19.5pp | 81.9%+12.8pp | 67.2%+27.5pp |
| Annual return | 26.27% | 30.90%-4.6pp | 68.28%-42.0pp | 160.69%-134.4pp |
| Employer contribution / active EE | $4,872 | $3,537+37.7% | $4,858+0.3% | $2,671+82.4% |
| Participant deferral / active EE | $12,570 | $6,405+96.2% | $7,759+62.0% | $4,126+204.7% |
| Admin fee / account holder | $836 | $6,977-88.0% | $10,764-92.2% | $5,650-85.2% |