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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 | $46,246 | $72,273-36.0% | $101,275-54.3% | $79,856-42.1% |
| Participation rate | 95.1% | 68.5%+26.7pp | 75.8%+19.3pp | 69.6%+25.5pp |
| Annual return | 17.06% | 22.30%-5.2pp | 46.48%-29.4pp | 31.71%-14.6pp |
| Employer contribution / active EE | $4,652 | $2,691+72.8% | $3,660+27.1% | $2,471+88.2% |
| Participant deferral / active EE | $5,312 | $3,282+61.9% | $4,371+21.5% | $3,741+42.0% |
| Admin fee / account holder | $3,136 | $4,401-28.8% | $5,948-47.3% | $5,306-40.9% |