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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 | $69,181 | $71,230-2.9% | $93,727-26.2% | $80,959-14.5% |
| Participation rate | 97.9% | 60.4%+37.5pp | 68.7%+29.2pp | 67.7%+30.2pp |
| Annual return | 20.17% | 11.26%+8.9pp | 133.83%-113.7pp | 35.67%-15.5pp |
| Employer contribution / active EE | $3,043 | $1,565+94.4% | $2,421+25.7% | $2,757+10.4% |
| Participant deferral / active EE | $5,646 | $4,037+39.8% | $4,417+27.8% | $4,300+31.3% |
| Admin fee / account holder | $5,303 | $6,961-23.8% | $8,292-36.0% | $6,925-23.4% |