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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 | $58,193 | $100,073-41.8% | $85,126-31.6% | $145,877-60.1% |
| Participation rate | 88.2% | 74.1%+14.1pp | 67.5%+20.7pp | 80.3%+7.9pp |
| Annual return | 11.84% | 84.11%-72.3pp | 66.63%-54.8pp | 551.28%-539.4pp |
| Employer contribution / active EE | $3,964 | $3,236+22.5% | $2,731+45.1% | $4,663-15.0% |
| Participant deferral / active EE | $6,960 | $5,294+31.5% | $4,523+53.9% | $6,691+4.0% |
| Admin fee / account holder | $6,897 | $7,261-5.0% | $6,160+12.0% | $13,402-48.5% |