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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 | $94,436-19.2% | $115,599-34.0% | $82,637-7.6% |
| Participation rate | 96.6% | 70.4%+26.1pp | 74.3%+22.3pp | 68.1%+28.5pp |
| Annual return | 17.52% | 18.37%-0.9pp | 111.10%-93.6pp | 53.51%-36.0pp |
| Employer contribution / active EE | $5,313 | $2,324+128.7% | $2,955+79.8% | $2,552+108.2% |
| Participant deferral / active EE | $8,122 | $3,955+105.4% | $4,889+66.1% | $4,126+96.8% |
| Admin fee / account holder | $8,435 | $10,328-18.3% | $12,841-34.3% | $7,339+14.9% |