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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 | $45,286 | $76,551-40.8% | $123,894-63.4% | $62,881-28.0% |
| Participation rate | 88.3% | 73.0%+15.3pp | 81.4%+6.9pp | 69.3%+19.0pp |
| Annual return | 13.41% | 18.68%-5.3pp | 47.52%-34.1pp | 20.14%-6.7pp |
| Employer contribution / active EE | $5,507 | $2,882+91.1% | $4,617+19.3% | $2,281+141.4% |
| Participant deferral / active EE | $5,771 | $4,840+19.2% | $5,984-3.6% | $3,203+80.2% |
| Admin fee / account holder | $3,658 | $4,826-24.2% | $8,357-56.2% | $4,296-14.8% |