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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 | $72,154 | $55,889+29.1% | $76,119-5.2% | $80,935-10.8% |
| Participation rate | 87.0% | 62.1%+24.9pp | 69.1%+17.9pp | 67.7%+19.4pp |
| Annual return | 14.24% | 20.58%-6.3pp | 361.25%-347.0pp | 35.66%-21.4pp |
| Employer contribution / active EE | $2,713 | $1,866+45.4% | $2,693+0.7% | $2,757-1.6% |
| Participant deferral / active EE | $4,212 | $3,051+38.0% | $4,259-1.1% | $4,299-2.0% |
| Admin fee / account holder | $6,468 | $5,241+23.4% | $6,421+0.7% | $6,924-6.6% |