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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 | $42,504 | $77,492-45.1% | $100,398-57.7% | $80,911-47.5% |
| Participation rate | 93.2% | 76.9%+16.3pp | 81.5%+11.7pp | 67.6%+25.6pp |
| Annual return | 14.41% | 37.23%-22.8pp | 49.32%-34.9pp | 35.63%-21.2pp |
| Employer contribution / active EE | $5,157 | $2,800+84.2% | $3,946+30.7% | $2,756+87.1% |
| Participant deferral / active EE | $8,312 | $6,817+21.9% | $8,084+2.8% | $4,297+93.4% |
| Admin fee / account holder | $12,221 | $5,892+107.4% | $7,893+54.8% | $6,935+76.2% |