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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 | $67,374 | $58,851+14.5% | $115,167-41.5% | $72,976-7.7% |
| Participation rate | 98.5% | 65.5%+33.0pp | 75.9%+22.6pp | 69.5%+29.0pp |
| Annual return | 29.10% | 23.16%+5.9pp | 35.60%-6.5pp | 81.02%-51.9pp |
| Employer contribution / active EE | $3,721 | $1,798+106.9% | $3,179+17.0% | $2,440+52.5% |
| Participant deferral / active EE | $3,638 | $2,643+37.7% | $4,169-12.7% | $3,608+0.9% |
| Admin fee / account holder | $964 | $6,370-84.9% | $7,089-86.4% | $5,124-81.2% |