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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 | $74,826 | $96,731-22.6% | $123,973-39.6% | $86,983-14.0% |
| Participation rate | 98.0% | 70.0%+28.0pp | 76.7%+21.4pp | 69.5%+28.5pp |
| Annual return | 18.63% | 17.33%+1.3pp | 388.13%-369.5pp | 25.83%-7.2pp |
| Employer contribution / active EE | $4,344 | $3,297+31.7% | $4,126+5.3% | $2,584+68.1% |
| Participant deferral / active EE | $6,852 | $4,152+65.0% | $5,247+30.6% | $4,194+63.4% |
| Admin fee / account holder | $7,112 | $8,722-18.5% | $11,799-39.7% | $7,856-9.5% |