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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 | $55,037 | $77,472-29.0% | $100,415-45.2% | $80,959-32.0% |
| Participation rate | 97.6% | 76.9%+20.7pp | 81.5%+16.1pp | 67.7%+30.0pp |
| Annual return | 15.38% | 37.26%-21.9pp | 49.47%-34.1pp | 35.67%-20.3pp |
| Employer contribution / active EE | $4,653 | $2,800+66.1% | $3,943+18.0% | $2,757+68.7% |
| Participant deferral / active EE | $9,001 | $6,818+32.0% | $8,091+11.2% | $4,300+109.3% |
| Admin fee / account holder | $1,419 | $5,885-75.9% | $7,906-82.1% | $6,925-79.5% |