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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 | $77,523+2.5% | $100,383-20.8% | $80,874-1.7% |
| Participation rate | 97.6% | 77.0%+20.7pp | 81.5%+16.1pp | 67.6%+30.0pp |
| Annual return | 22.02% | 37.21%-15.2pp | 49.26%-27.2pp | 35.62%-13.6pp |
| Employer contribution / active EE | $6,160 | $2,801+119.9% | $3,944+56.2% | $2,756+123.5% |
| Participant deferral / active EE | $12,349 | $6,822+81.0% | $8,086+52.7% | $4,297+187.4% |
| Admin fee / account holder | $3,089 | $5,899-47.6% | $7,900-60.9% | $6,935-55.5% |