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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 | $55,589 | $76,371-27.2% | $93,621-40.6% | $72,975-23.8% |
| Participation rate | 93.5% | 71.8%+21.8pp | 75.8%+17.7pp | 69.5%+24.0pp |
| Annual return | 25.12% | 25.82%-0.7pp | 32.76%-7.6pp | 81.01%-55.9pp |
| Employer contribution / active EE | $3,859 | $2,276+69.6% | $2,719+41.9% | $2,440+58.1% |
| Participant deferral / active EE | $4,231 | $3,538+19.6% | $4,070+4.0% | $3,608+17.3% |
| Admin fee / account holder | $3,254 | $6,839-52.4% | $7,890-58.8% | $5,124-36.5% |