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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 | $51,971 | $136,860-62.0% | $120,344-56.8% | $154,746-66.4% |
| Participation rate | 86.4% | 79.9%+6.5pp | 76.7%+9.7pp | 80.7%+5.7pp |
| Annual return | 13.00% | 21.38%-8.4pp | 20.30%-7.3pp | 172.34%-159.3pp |
| Employer contribution / active EE | $4,886 | $3,533+38.3% | $3,020+61.8% | $4,379+11.6% |
| Participant deferral / active EE | $5,047 | $5,793-12.9% | $5,135-1.7% | $6,730-25.0% |
| Admin fee / account holder | $3,872 | $15,393-74.8% | $12,742-69.6% | $14,365-73.0% |