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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 | $48,133 | $99,994-51.9% | $146,643-67.2% | $85,847-43.9% |
| Participation rate | 96.0% | 73.1%+22.9pp | 80.1%+15.9pp | 69.3%+26.7pp |
| Annual return | 28.34% | 18.93%+9.4pp | 22.75%+5.6pp | 318.61%-290.3pp |
| Employer contribution / active EE | $5,489 | $2,559+114.5% | $4,137+32.7% | $2,565+114.0% |
| Participant deferral / active EE | $3,493 | $4,006-12.8% | $5,506-36.6% | $3,952-11.6% |
| Admin fee / account holder | $12,134 | $7,703+57.5% | $10,280+18.0% | $6,261+93.8% |