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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 | $54,863 | $106,749-48.6% | $145,433-62.3% | $82,448-33.5% |
| Participation rate | 98.1% | 75.6%+22.5pp | 82.1%+16.0pp | 68.1%+30.1pp |
| Annual return | 18.30% | 27.59%-9.3pp | 66.58%-48.3pp | 41.64%-23.3pp |
| Employer contribution / active EE | $5,462 | $3,444+58.6% | $4,554+19.9% | $2,551+114.1% |
| Participant deferral / active EE | $7,815 | $6,519+19.9% | $7,897-1.0% | $4,139+88.8% |
| Admin fee / account holder | $16,515 | $8,390+96.8% | $13,129+25.8% | $7,234+128.3% |