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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 | $65,312 | $55,902+16.8% | $76,030-14.1% | $80,959-19.3% |
| Participation rate | 96.0% | 62.1%+33.9pp | 69.1%+26.9pp | 67.7%+28.3pp |
| Annual return | 27.42% | 20.59%+6.8pp | 361.54%-334.1pp | 35.67%-8.2pp |
| Employer contribution / active EE | $4,058 | $1,867+117.4% | $2,688+51.0% | $2,757+47.2% |
| Participant deferral / active EE | $5,032 | $3,051+65.0% | $4,257+18.2% | $4,300+17.0% |
| Admin fee / account holder | $1,299 | $5,239-75.2% | $6,421-79.8% | $6,925-81.2% |