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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 | $77,472-25.7% | $100,392-42.6% | $80,935-28.9% |
| Participation rate | 96.0% | 76.9%+19.1pp | 81.5%+14.5pp | 67.7%+28.3pp |
| Annual return | 18.36% | 37.26%-18.9pp | 49.45%-31.1pp | 35.66%-17.3pp |
| Employer contribution / active EE | $5,808 | $2,800+107.4% | $3,941+47.4% | $2,757+110.7% |
| Participant deferral / active EE | $10,322 | $6,818+51.4% | $8,090+27.6% | $4,299+140.1% |
| Admin fee / account holder | $18,547 | $5,885+215.2% | $7,904+134.7% | $6,924+167.9% |