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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 | $57,575 | $77,492-25.7% | $100,398-42.7% | $80,911-28.8% |
| Participation rate | 96.0% | 76.9%+19.1pp | 81.5%+14.5pp | 67.6%+28.4pp |
| Annual return | 18.36% | 37.23%-18.9pp | 49.32%-31.0pp | 35.63%-17.3pp |
| Employer contribution / active EE | $5,808 | $2,800+107.4% | $3,946+47.2% | $2,756+110.7% |
| Participant deferral / active EE | $10,322 | $6,817+51.4% | $8,084+27.7% | $4,297+140.2% |
| Admin fee / account holder | $18,547 | $5,892+214.8% | $7,893+135.0% | $6,935+167.5% |