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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 | $63,227 | $180,028-64.9% | $138,135-54.2% | $158,950-60.2% |
| Participation rate | 95.8% | 82.2%+13.6pp | 78.7%+17.1pp | 82.0%+13.9pp |
| Annual return | 19.20% | 21.68%-2.5pp | 20.51%-1.3pp | 302.91%-283.7pp |
| Employer contribution / active EE | $4,439 | $7,470-40.6% | $5,587-20.6% | $4,762-6.8% |
| Participant deferral / active EE | $4,411 | $7,717-42.8% | $6,431-31.4% | $5,983-26.3% |
| Admin fee / account holder | $510 | $17,912-97.2% | $11,856-95.7% | $11,248-95.5% |