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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 | $77,472-45.1% | $100,392-57.7% | $80,935-47.5% |
| Participation rate | 93.2% | 76.9%+16.3pp | 81.5%+11.7pp | 67.7%+25.6pp |
| Annual return | 14.41% | 37.26%-22.9pp | 49.45%-35.0pp | 35.66%-21.3pp |
| Employer contribution / active EE | $5,157 | $2,800+84.2% | $3,941+30.8% | $2,757+87.1% |
| Participant deferral / active EE | $8,312 | $6,818+21.9% | $8,090+2.7% | $4,299+93.3% |
| Admin fee / account holder | $12,221 | $5,885+107.7% | $7,904+54.6% | $6,924+76.5% |