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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 | $65,633 | $87,733-25.2% | $106,554-38.4% | $85,851-23.5% |
| Participation rate | 90.6% | 71.9%+18.7pp | 76.1%+14.5pp | 69.3%+21.3pp |
| Annual return | 12.53% | 21.86%-9.3pp | 26.80%-14.3pp | 318.63%-306.1pp |
| Employer contribution / active EE | $1,970 | $2,073-5.0% | $2,819-30.1% | $2,565-23.2% |
| Participant deferral / active EE | $5,497 | $3,469+58.4% | $4,398+25.0% | $3,952+39.1% |
| Admin fee / account holder | $6,621 | $6,767-2.2% | $7,408-10.6% | $6,261+5.7% |