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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 | $63,255 | $78,428-19.3% | $95,960-34.1% | $79,852-20.8% |
| Participation rate | 94.7% | 73.5%+21.2pp | 77.1%+17.7pp | 69.6%+25.1pp |
| Annual return | 34.86% | 19.37%+15.5pp | 91.63%-56.8pp | 31.72%+3.1pp |
| Employer contribution / active EE | $1,968 | $1,945+1.2% | $2,541-22.6% | $2,471-20.4% |
| Participant deferral / active EE | $5,325 | $3,440+54.8% | $4,167+27.8% | $3,740+42.4% |
| Admin fee / account holder | $3,216 | $5,622-42.8% | $6,797-52.7% | $5,306-39.4% |