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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 | $73,427 | $108,825-32.5% | $156,181-53.0% | $82,448-10.9% |
| Participation rate | 94.6% | 72.4%+22.2pp | 78.8%+15.8pp | 68.1%+26.5pp |
| Annual return | 15.57% | 20.59%-5.0pp | 64.87%-49.3pp | 41.64%-26.1pp |
| Employer contribution / active EE | $3,023 | $2,870+5.3% | $4,294-29.6% | $2,551+18.5% |
| Participant deferral / active EE | $5,810 | $4,577+26.9% | $6,132-5.2% | $4,139+40.4% |
| Admin fee / account holder | $5,894 | $9,341-36.9% | $14,586-59.6% | $7,234-18.5% |