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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 | $47,376 | $77,460-38.8% | $100,378-52.8% | $80,925-41.5% |
| Participation rate | 93.3% | 76.9%+16.4pp | 81.5%+11.8pp | 67.7%+25.7pp |
| Annual return | 14.63% | 37.24%-22.6pp | 49.41%-34.8pp | 35.65%-21.0pp |
| Employer contribution / active EE | $6,205 | $2,801+121.5% | $3,942+57.4% | $2,756+125.1% |
| Participant deferral / active EE | $8,733 | $6,818+28.1% | $8,087+8.0% | $4,299+103.2% |
| Admin fee / account holder | $5,025 | $5,887-14.6% | $7,899-36.4% | $6,940-27.6% |