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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 | $76,235 | $78,670-3.1% | $109,173-30.2% | $85,847-11.2% |
| Participation rate | 94.7% | 68.3%+26.5pp | 75.9%+18.9pp | 69.3%+25.4pp |
| Annual return | 12.35% | 25.09%-12.7pp | 25.75%-13.4pp | 318.61%-306.3pp |
| Employer contribution / active EE | $2,270 | $2,734-17.0% | $3,723-39.0% | $2,565-11.5% |
| Participant deferral / active EE | $5,343 | $3,467+54.1% | $4,654+14.8% | $3,952+35.2% |
| Admin fee / account holder | $3,783 | $5,469-30.8% | $6,755-44.0% | $6,261-39.6% |