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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 | $67,976 | $58,523+16.2% | $99,479-31.7% | $72,976-6.9% |
| Participation rate | 96.6% | 64.6%+31.9pp | 73.8%+22.7pp | 69.5%+27.1pp |
| Annual return | 24.28% | 28.51%-4.2pp | 30.72%-6.4pp | 81.02%-56.7pp |
| Employer contribution / active EE | $5,172 | $1,512+242.1% | $2,540+103.6% | $2,440+112.0% |
| Participant deferral / active EE | $5,842 | $2,606+124.2% | $3,619+61.4% | $3,608+61.9% |
| Admin fee / account holder | $362 | $4,102-91.2% | $6,253-94.2% | $5,124-92.9% |