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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 | $84,788 | $69,977+21.2% | $108,582-21.9% | $62,881+34.8% |
| Participation rate | 97.1% | 72.9%+24.2pp | 79.6%+17.5pp | 69.3%+27.8pp |
| Annual return | 5.94% | 10.73%-4.8pp | -51.70%+57.6pp | 20.14%-14.2pp |
| Employer contribution / active EE | $4,893 | $2,135+129.2% | $3,758+30.2% | $2,281+114.5% |
| Participant deferral / active EE | $6,149 | $3,165+94.3% | $4,311+42.6% | $3,203+92.0% |
| Admin fee / account holder | $994 | $5,076-80.4% | $7,645-87.0% | $4,296-76.9% |