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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 | $75,389 | $98,776-23.7% | $149,745-49.7% | $79,856-5.6% |
| Participation rate | 95.0% | 75.8%+19.2pp | 82.5%+12.5pp | 69.6%+25.4pp |
| Annual return | 18.28% | 27.38%-9.1pp | 276.72%-258.4pp | 31.71%-13.4pp |
| Employer contribution / active EE | $3,874 | $3,217+20.4% | $4,646-16.6% | $2,471+56.8% |
| Participant deferral / active EE | $7,864 | $5,681+38.4% | $6,843+14.9% | $3,741+110.2% |
| Admin fee / account holder | $4,648 | $6,053-23.2% | $9,312-50.1% | $5,306-12.4% |