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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 | $56,913 | $57,140-0.4% | $85,240-33.2% | $80,959-29.7% |
| Participation rate | 93.1% | 56.4%+36.7pp | 67.5%+25.6pp | 67.7%+25.4pp |
| Annual return | 14.31% | 21.71%-7.4pp | 66.75%-52.4pp | 35.67%-21.4pp |
| Employer contribution / active EE | $5,049 | $1,802+180.2% | $2,735+84.6% | $2,757+83.1% |
| Participant deferral / active EE | $7,848 | $3,115+151.9% | $4,527+73.4% | $4,300+82.5% |
| Admin fee / account holder | $14,144 | $4,992+183.3% | $6,165+129.4% | $6,925+104.2% |