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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 | $47,901 | $91,424-47.6% | $135,942-64.8% | $71,495-33.0% |
| Participation rate | 95.2% | 75.7%+19.5pp | 81.9%+13.2pp | 67.9%+27.2pp |
| Annual return | 22.20% | 29.90%-7.7pp | 68.28%-46.1pp | 28.85%-6.7pp |
| Employer contribution / active EE | $4,622 | $3,704+24.8% | $4,858-4.9% | $2,589+78.5% |
| Participant deferral / active EE | $9,739 | $7,092+37.3% | $7,759+25.5% | $4,291+127.0% |
| Admin fee / account holder | $1,676 | $1,266+32.4% | $10,764-84.4% | $1,588+5.6% |