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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 | $47,834 | $76,551-37.5% | $123,894-61.4% | $62,881-23.9% |
| Participation rate | 88.5% | 73.0%+15.5pp | 81.4%+7.1pp | 69.3%+19.2pp |
| Annual return | 12.84% | 18.68%-5.8pp | 47.52%-34.7pp | 20.14%-7.3pp |
| Employer contribution / active EE | $6,513 | $2,882+126.0% | $4,617+41.1% | $2,281+185.5% |
| Participant deferral / active EE | $15,579 | $4,840+221.9% | $5,984+160.3% | $3,203+386.4% |
| Admin fee / account holder | $13,375 | $4,826+177.2% | $8,357+60.0% | $4,296+211.4% |