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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 | $56,826 | $124,425-54.3% | $112,040-49.3% | $137,256-58.6% |
| Participation rate | 92.3% | 79.3%+13.0pp | 76.5%+15.8pp | 80.0%+12.3pp |
| Annual return | 19.90% | 24.72%-4.8pp | 24.52%-4.6pp | 220.34%-200.4pp |
| Employer contribution / active EE | $5,750 | $3,411+68.6% | $2,954+94.7% | $4,156+38.4% |
| Participant deferral / active EE | $10,508 | $5,718+83.8% | $5,098+106.1% | $6,407+64.0% |
| Admin fee / account holder | $1,453 | $15,207-90.4% | $12,098-88.0% | $12,270-88.2% |