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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 | $53,667 | $76,551-29.9% | $123,894-56.7% | $62,881-14.7% |
| Participation rate | 92.1% | 73.0%+19.1pp | 81.4%+10.7pp | 69.3%+22.8pp |
| Annual return | 13.89% | 18.68%-4.8pp | 47.52%-33.6pp | 20.14%-6.2pp |
| Employer contribution / active EE | $5,339 | $2,882+85.2% | $4,617+15.6% | $2,281+134.1% |
| Participant deferral / active EE | $5,978 | $4,840+23.5% | $5,984-0.1% | $3,203+86.6% |
| Admin fee / account holder | $4,423 | $4,826-8.4% | $8,357-47.1% | $4,296+3.0% |