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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 | $69,287 | $72,273-4.1% | $101,275-31.6% | $79,856-13.2% |
| Participation rate | 96.7% | 68.5%+28.3pp | 75.8%+20.9pp | 69.6%+27.1pp |
| Annual return | 14.95% | 22.30%-7.3pp | 46.48%-31.5pp | 31.71%-16.8pp |
| Employer contribution / active EE | $10,182 | $2,691+278.3% | $3,660+178.2% | $2,471+312.0% |
| Participant deferral / active EE | $4,792 | $3,282+46.0% | $4,371+9.6% | $3,741+28.1% |
| Admin fee / account holder | $4,103 | $4,401-6.8% | $5,948-31.0% | $5,306-22.7% |