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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 | $63,257 | $76,407-17.2% | $150,298-57.9% | $82,448-23.3% |
| Participation rate | 97.6% | 66.4%+31.2pp | 77.8%+19.9pp | 68.1%+29.6pp |
| Annual return | 14.62% | 39.99%-25.4pp | 62.79%-48.2pp | 41.64%-27.0pp |
| Employer contribution / active EE | $4,837 | $2,614+85.0% | $4,154+16.4% | $2,551+89.6% |
| Participant deferral / active EE | $3,118 | $3,214-3.0% | $5,453-42.8% | $4,139-24.7% |
| Admin fee / account holder | $1,234 | $6,352-80.6% | $14,116-91.3% | $7,234-82.9% |