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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 | $62,436 | $81,331-23.2% | $155,534-59.9% | $80,935-22.9% |
| Participation rate | 96.9% | 66.3%+30.6pp | 78.2%+18.7pp | 67.7%+29.2pp |
| Annual return | 14.13% | 33.37%-19.2pp | 64.92%-50.8pp | 35.66%-21.5pp |
| Employer contribution / active EE | $4,444 | $3,105+43.1% | $4,675-4.9% | $2,757+61.2% |
| Participant deferral / active EE | $5,804 | $3,454+68.0% | $5,630+3.1% | $4,299+35.0% |
| Admin fee / account holder | $1,834 | $7,999-77.1% | $15,900-88.5% | $6,924-73.5% |