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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 | $78,690-15.6% | $161,489-58.9% | $87,485-24.1% |
| Participation rate | 95.7% | 67.5%+28.3pp | 78.7%+17.0pp | 68.9%+26.8pp |
| Annual return | 19.55% | 32.74%-13.2pp | 89.72%-70.2pp | 26.06%-6.5pp |
| Employer contribution / active EE | $3,271 | $2,588+26.4% | $4,268-23.4% | $2,596+26.0% |
| Participant deferral / active EE | $8,080 | $3,311+144.0% | $5,630+43.5% | $4,274+89.1% |
| Admin fee / account holder | $1,036 | $6,724-84.6% | $16,006-93.5% | $7,775-86.7% |