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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 | $67,290 | $87,733-23.3% | $106,555-36.8% | $85,847-21.6% |
| Participation rate | 94.9% | 71.9%+22.9pp | 76.1%+18.7pp | 69.3%+25.6pp |
| Annual return | 12.98% | 21.86%-8.9pp | 26.80%-13.8pp | 318.61%-305.6pp |
| Employer contribution / active EE | $3,216 | $2,073+55.1% | $2,819+14.1% | $2,565+25.4% |
| Participant deferral / active EE | $2,219 | $3,469-36.0% | $4,399-49.5% | $3,952-43.8% |
| Admin fee / account holder | $6,049 | $6,767-10.6% | $7,408-18.3% | $6,261-3.4% |