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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 | $96,289-52.7% | $213,469-78.7% | $87,485-47.9% |
| Participation rate | 95.4% | 69.6%+25.8pp | 77.1%+18.3pp | 68.9%+26.5pp |
| Annual return | 29.26% | 17.78%+11.5pp | 20.58%+8.7pp | 26.06%+3.2pp |
| Employer contribution / active EE | $6,331 | $3,035+108.6% | $4,994+26.8% | $2,596+143.8% |
| Participant deferral / active EE | $8,528 | $4,750+79.5% | $6,841+24.7% | $4,274+99.6% |
| Admin fee / account holder | $4,516 | $9,670-53.3% | $27,141-83.4% | $7,775-41.9% |