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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 | $55,207 | $76,551-27.9% | $123,894-55.4% | $62,881-12.2% |
| Participation rate | 96.7% | 73.0%+23.7pp | 81.4%+15.3pp | 69.3%+27.4pp |
| Annual return | 11.23% | 18.68%-7.4pp | 47.52%-36.3pp | 20.14%-8.9pp |
| Employer contribution / active EE | $5,233 | $2,882+81.5% | $4,617+13.3% | $2,281+129.4% |
| Participant deferral / active EE | $3,864 | $4,840-20.2% | $5,984-35.4% | $3,203+20.6% |
| Admin fee / account holder | $933 | $4,826-80.7% | $8,357-88.8% | $4,296-78.3% |