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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 | $56,085 | $106,267-47.2% | $96,520-41.9% | $139,456-59.8% |
| Participation rate | 95.7% | 77.8%+17.8pp | 74.3%+21.3pp | 80.3%+15.3pp |
| Annual return | 15.75% | 38.45%-22.7pp | 35.72%-20.0pp | 373.45%-357.7pp |
| Employer contribution / active EE | $3,986 | $4,105-2.9% | $3,739+6.6% | $4,753-16.1% |
| Participant deferral / active EE | $7,686 | $5,454+40.9% | $4,879+57.5% | $6,711+14.5% |
| Admin fee / account holder | $2,188 | $7,882-72.2% | $6,733-67.5% | $11,407-80.8% |