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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 | $58,785 | $180,028-67.3% | $138,135-57.4% | $158,950-63.0% |
| Participation rate | 94.4% | 82.2%+12.2pp | 78.7%+15.7pp | 82.0%+12.5pp |
| Annual return | 15.67% | 21.68%-6.0pp | 20.51%-4.8pp | 302.91%-287.2pp |
| Employer contribution / active EE | $4,682 | $7,470-37.3% | $5,587-16.2% | $4,762-1.7% |
| Participant deferral / active EE | $12,481 | $7,717+61.7% | $6,431+94.1% | $5,983+108.6% |
| Admin fee / account holder | $15,971 | $17,912-10.8% | $11,856+34.7% | $11,248+42.0% |