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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 | $79,467 | $77,472+2.6% | $100,392-20.8% | $80,935-1.8% |
| Participation rate | 97.6% | 76.9%+20.7pp | 81.5%+16.1pp | 67.7%+30.0pp |
| Annual return | 22.02% | 37.26%-15.2pp | 49.45%-27.4pp | 35.66%-13.6pp |
| Employer contribution / active EE | $6,160 | $2,800+120.0% | $3,941+56.3% | $2,757+123.4% |
| Participant deferral / active EE | $12,349 | $6,818+81.1% | $8,090+52.7% | $4,299+187.2% |
| Admin fee / account holder | $3,089 | $5,885-47.5% | $7,904-60.9% | $6,924-55.4% |