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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 | $76,316 | $94,031-18.8% | $115,768-34.1% | $82,448-7.4% |
| Participation rate | 96.6% | 70.4%+26.1pp | 74.4%+22.2pp | 68.1%+28.5pp |
| Annual return | 17.52% | 20.61%-3.1pp | 100.46%-82.9pp | 41.64%-24.1pp |
| Employer contribution / active EE | $5,313 | $2,323+128.7% | $2,940+80.7% | $2,551+108.3% |
| Participant deferral / active EE | $8,122 | $3,972+104.5% | $4,917+65.2% | $4,139+96.2% |
| Admin fee / account holder | $8,435 | $10,249-17.7% | $12,439-32.2% | $7,234+16.6% |