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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 | $50,257 | $72,273-30.5% | $101,275-50.4% | $79,856-37.1% |
| Participation rate | 92.6% | 68.5%+24.1pp | 75.8%+16.8pp | 69.6%+23.0pp |
| Annual return | 22.47% | 22.30%+0.2pp | 46.48%-24.0pp | 31.71%-9.2pp |
| Employer contribution / active EE | $3,385 | $2,691+25.8% | $3,660-7.5% | $2,471+37.0% |
| Participant deferral / active EE | $4,827 | $3,282+47.1% | $4,371+10.4% | $3,741+29.0% |
| Admin fee / account holder | $3,850 | $4,401-12.5% | $5,948-35.3% | $5,306-27.4% |