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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 | $71,057-2.6% | $93,654-26.1% | $80,874-14.5% |
| Participation rate | 97.9% | 60.4%+37.5pp | 68.7%+29.2pp | 67.6%+30.2pp |
| Annual return | 20.17% | 11.26%+8.9pp | 133.34%-113.2pp | 35.62%-15.5pp |
| Employer contribution / active EE | $3,043 | $1,564+94.6% | $2,421+25.7% | $2,756+10.4% |
| Participant deferral / active EE | $5,646 | $4,034+40.0% | $4,413+28.0% | $4,297+31.4% |
| Admin fee / account holder | $5,303 | $6,944-23.6% | $8,282-36.0% | $6,935-23.5% |