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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 | $56,593 | $48,076+17.7% | $78,690-28.1% | $62,891-10.0% |
| Participation rate | 98.3% | 65.2%+33.1pp | 73.6%+24.7pp | 69.3%+29.0pp |
| Annual return | 4.65% | 31.35%-26.7pp | 62.18%-57.5pp | 20.14%-15.5pp |
| Employer contribution / active EE | $5,389 | $2,015+167.5% | $2,851+89.0% | $2,281+136.3% |
| Participant deferral / active EE | $1,443 | $2,588-44.3% | $3,517-59.0% | $3,203-55.0% |
| Admin fee / account holder | $10,496 | $3,207+227.3% | $4,511+132.7% | $4,296+144.4% |