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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 | $74,479 | $97,125-23.3% | $86,233-13.6% | $137,256-45.7% |
| Participation rate | 88.2% | 74.2%+14.0pp | 69.0%+19.2pp | 80.0%+8.3pp |
| Annual return | 14.60% | 74.19%-59.6pp | 61.39%-46.8pp | 220.34%-205.7pp |
| Employer contribution / active EE | $3,713 | $2,841+30.7% | $2,504+48.3% | $4,156-10.7% |
| Participant deferral / active EE | $4,118 | $5,180-20.5% | $4,559-9.7% | $6,407-35.7% |
| Admin fee / account holder | $1,651 | $9,725-83.0% | $8,342-80.2% | $12,270-86.5% |