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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 | $69,245 | $56,054+23.5% | $171,082-59.5% | $62,881+10.1% |
| Participation rate | 93.1% | 62.9%+30.2pp | 76.7%+16.4pp | 69.3%+23.8pp |
| Annual return | 12.37% | 22.52%-10.1pp | 32.56%-20.2pp | 20.14%-7.8pp |
| Employer contribution / active EE | $3,282 | $1,731+89.6% | $4,002-18.0% | $2,281+43.9% |
| Participant deferral / active EE | $5,314 | $3,158+68.3% | $4,797+10.8% | $3,203+65.9% |
| Admin fee / account holder | $815 | $3,647-77.7% | $8,520-90.4% | $4,296-81.0% |