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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 | $81,504-23.3% | $102,437-39.0% | $80,959-22.8% |
| Participation rate | 96.4% | 66.9%+29.6pp | 74.5%+21.9pp | 67.7%+28.8pp |
| Annual return | 15.86% | 25.60%-9.7pp | 24.95%-9.1pp | 35.67%-19.8pp |
| Employer contribution / active EE | $4,805 | $3,104+54.8% | $3,871+24.1% | $2,757+74.3% |
| Participant deferral / active EE | $4,281 | $3,871+10.6% | $5,060-15.4% | $4,300-0.5% |
| Admin fee / account holder | $4,955 | $6,719-26.3% | $8,388-40.9% | $6,925-28.4% |