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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 | $48,845 | $145,431-66.4% | $211,142-76.9% | $87,485-44.2% |
| Participation rate | 92.0% | 84.7%+7.3pp | 87.3%+4.7pp | 68.9%+23.1pp |
| Annual return | 28.28% | 27.21%+1.1pp | 46.84%-18.6pp | 26.06%+2.2pp |
| Employer contribution / active EE | $6,290 | $4,662+34.9% | $6,442-2.4% | $2,596+142.3% |
| Participant deferral / active EE | $14,936 | $6,859+117.8% | $9,284+60.9% | $4,274+249.5% |
| Admin fee / account holder | $4,168 | $17,052-75.6% | $19,076-78.1% | $7,775-46.4% |