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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 | $45,559 | $99,633-54.3% | $183,328-75.1% | $82,448-44.7% |
| Participation rate | 95.4% | 70.8%+24.6pp | 77.3%+18.0pp | 68.1%+27.3pp |
| Annual return | 29.26% | 17.84%+11.4pp | 29.67%-0.4pp | 41.64%-12.4pp |
| Employer contribution / active EE | $6,331 | $3,256+94.4% | $5,055+25.2% | $2,551+148.2% |
| Participant deferral / active EE | $8,528 | $4,938+72.7% | $6,795+25.5% | $4,139+106.0% |
| Admin fee / account holder | $4,516 | $9,934-54.5% | $21,427-78.9% | $7,234-37.6% |