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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 | $62,520 | $81,446-23.2% | $103,374-39.5% | $80,874-22.7% |
| Participation rate | 96.4% | 66.9%+29.6pp | 74.5%+21.9pp | 67.6%+28.8pp |
| Annual return | 15.86% | 25.57%-9.7pp | 24.89%-9.0pp | 35.62%-19.8pp |
| Employer contribution / active EE | $4,805 | $3,107+54.6% | $3,869+24.2% | $2,756+74.4% |
| Participant deferral / active EE | $4,281 | $3,870+10.6% | $5,058-15.4% | $4,297-0.4% |
| Admin fee / account holder | $4,955 | $6,715-26.2% | $8,394-41.0% | $6,935-28.5% |