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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 | $66,436 | $76,407-13.1% | $150,298-55.8% | $82,448-19.4% |
| Participation rate | 95.7% | 66.4%+29.3pp | 77.8%+18.0pp | 68.1%+27.7pp |
| Annual return | 19.55% | 39.99%-20.4pp | 62.79%-43.2pp | 41.64%-22.1pp |
| Employer contribution / active EE | $3,271 | $2,614+25.1% | $4,154-21.3% | $2,551+28.2% |
| Participant deferral / active EE | $8,080 | $3,214+151.4% | $5,453+48.2% | $4,139+95.2% |
| Admin fee / account holder | $1,036 | $6,352-83.7% | $14,116-92.7% | $7,234-85.7% |