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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 | $45,679 | $69,273-34.1% | $90,796-49.7% | $82,637-44.7% |
| Participation rate | 93.3% | 64.0%+29.3pp | 69.5%+23.8pp | 68.1%+25.3pp |
| Annual return | 20.70% | 18.37%+2.3pp | 19.29%+1.4pp | 53.51%-32.8pp |
| Employer contribution / active EE | $3,890 | $1,865+108.5% | $2,294+69.6% | $2,552+52.4% |
| Participant deferral / active EE | $8,817 | $3,047+189.3% | $3,822+130.7% | $4,126+113.7% |
| Admin fee / account holder | $4,091 | $5,511-25.8% | $7,024-41.8% | $7,339-44.3% |