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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 | $63,639 | $80,992-21.4% | $96,534-34.1% | $75,173-15.3% |
| Participation rate | 93.5% | 71.8%+21.8pp | 76.0%+17.6pp | 67.2%+26.3pp |
| Annual return | 21.24% | 27.05%-5.8pp | 25.88%-4.6pp | 160.72%-139.5pp |
| Employer contribution / active EE | $2,093 | $2,283-8.3% | $2,965-29.4% | $2,671-21.6% |
| Participant deferral / active EE | $4,676 | $3,929+19.0% | $4,851-3.6% | $4,126+13.3% |
| Admin fee / account holder | $16,713 | $6,717+148.8% | $8,253+102.5% | $5,651+195.8% |