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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 | $66,181 | $55,713+18.8% | $75,901-12.8% | $72,975-9.3% |
| Participation rate | 97.8% | 61.1%+36.7pp | 69.3%+28.5pp | 69.5%+28.3pp |
| Annual return | 20.26% | 27.60%-7.3pp | 30.76%-10.5pp | 81.01%-60.7pp |
| Employer contribution / active EE | $2,644 | $1,687+56.8% | $2,501+5.7% | $2,440+8.4% |
| Participant deferral / active EE | $4,201 | $2,634+59.5% | $3,603+16.6% | $3,608+16.4% |
| Admin fee / account holder | $2,366 | $3,980-40.6% | $5,420-56.4% | $5,124-53.8% |