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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 | $70,359 | $76,407-7.9% | $150,298-53.2% | $82,448-14.7% |
| Participation rate | 93.2% | 66.4%+26.8pp | 77.8%+15.4pp | 68.1%+25.1pp |
| Annual return | 15.88% | 39.99%-24.1pp | 62.79%-46.9pp | 41.64%-25.8pp |
| Employer contribution / active EE | $8,499 | $2,614+225.1% | $4,154+104.6% | $2,551+233.2% |
| Participant deferral / active EE | $3,673 | $3,214+14.3% | $5,453-32.6% | $4,139-11.3% |
| Admin fee / account holder | $471 | $6,352-92.6% | $14,116-96.7% | $7,234-93.5% |