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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 | $60,662 | $65,395-7.2% | $182,540-66.8% | $72,975-16.9% |
| Participation rate | 95.2% | 65.4%+29.8pp | 78.0%+17.3pp | 69.5%+25.7pp |
| Annual return | 25.72% | 27.68%-2.0pp | 148.58%-122.9pp | 81.01%-55.3pp |
| Employer contribution / active EE | $2,381 | $1,911+24.6% | $4,076-41.6% | $2,440-2.4% |
| Participant deferral / active EE | $5,656 | $3,563+58.8% | $5,525+2.4% | $3,608+56.8% |
| Admin fee / account holder | $4,188 | $4,245-1.3% | $8,593-51.3% | $5,124-18.3% |