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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 | $58,703 | $77,472-24.2% | $100,392-41.5% | $80,935-27.5% |
| Participation rate | 98.2% | 76.9%+21.3pp | 81.5%+16.7pp | 67.7%+30.6pp |
| Annual return | 29.12% | 37.26%-8.1pp | 49.45%-20.3pp | 35.66%-6.5pp |
| Employer contribution / active EE | $5,739 | $2,800+104.9% | $3,941+45.6% | $2,757+108.2% |
| Participant deferral / active EE | $13,867 | $6,818+103.4% | $8,090+71.4% | $4,299+222.5% |
| Admin fee / account holder | $5,522 | $5,885-6.2% | $7,904-30.1% | $6,924-20.3% |