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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 | $72,829 | $77,908-6.5% | $149,696-51.3% | $75,173-3.1% |
| Participation rate | 89.3% | 65.6%+23.7pp | 78.8%+10.5pp | 67.2%+22.1pp |
| Annual return | 18.35% | 31.73%-13.4pp | 134.46%-116.1pp | 160.72%-142.4pp |
| Employer contribution / active EE | $3,082 | $3,138-1.8% | $4,821-36.1% | $2,671+15.4% |
| Participant deferral / active EE | $8,783 | $3,411+157.5% | $5,682+54.6% | $4,126+112.9% |
| Admin fee / account holder | $15,696 | $5,950+163.8% | $13,212+18.8% | $5,651+177.8% |