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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 | $54,125 | $88,042-38.5% | $138,135-60.8% | $79,856-32.2% |
| Participation rate | 94.4% | 71.4%+23.0pp | 78.7%+15.7pp | 69.6%+24.8pp |
| Annual return | 18.77% | 20.58%-1.8pp | 20.51%-1.7pp | 31.71%-12.9pp |
| Employer contribution / active EE | $5,051 | $3,103+62.8% | $5,587-9.6% | $2,471+104.4% |
| Participant deferral / active EE | $7,296 | $4,704+55.1% | $6,431+13.4% | $3,741+95.0% |
| Admin fee / account holder | $6,798 | $7,791-12.8% | $11,856-42.7% | $5,306+28.1% |