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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 | $43,784 | $76,551-42.8% | $123,894-64.7% | $62,881-30.4% |
| Participation rate | 98.3% | 73.0%+25.3pp | 81.4%+16.9pp | 69.3%+29.0pp |
| Annual return | 9.77% | 18.68%-8.9pp | 47.52%-37.7pp | 20.14%-10.4pp |
| Employer contribution / active EE | $5,037 | $2,882+74.7% | $4,617+9.1% | $2,281+120.8% |
| Participant deferral / active EE | $6,551 | $4,840+35.4% | $5,984+9.5% | $3,203+104.5% |
| Admin fee / account holder | $1,867 | $4,826-61.3% | $8,357-77.7% | $4,296-56.5% |