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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 | $49,137 | $72,273-32.0% | $101,275-51.5% | $79,856-38.5% |
| Participation rate | 86.7% | 68.5%+18.2pp | 75.8%+10.9pp | 69.6%+17.0pp |
| Annual return | 12.38% | 22.30%-9.9pp | 46.48%-34.1pp | 31.71%-19.3pp |
| Employer contribution / active EE | $4,104 | $2,691+52.5% | $3,660+12.1% | $2,471+66.1% |
| Participant deferral / active EE | $1,444 | $3,282-56.0% | $4,371-67.0% | $3,741-61.4% |
| Admin fee / account holder | $1,197 | $4,401-72.8% | $5,948-79.9% | $5,306-77.4% |