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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 | $61,755 | $85,024-27.4% | $70,544-12.5% | $139,466-55.7% |
| Participation rate | 83.3% | 73.9%+9.4pp | 68.4%+15.0pp | 80.3%+3.0pp |
| Annual return | 21.67% | 30.39%-8.7pp | 32.79%-11.1pp | 373.66%-352.0pp |
| Employer contribution / active EE | $3,617 | $3,912-7.6% | $2,976+21.5% | $4,754-23.9% |
| Participant deferral / active EE | $6,656 | $5,891+13.0% | $4,568+45.7% | $6,712-0.8% |
| Admin fee / account holder | $3,715 | $8,928-58.4% | $6,427-42.2% | $11,409-67.4% |