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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 | $49,014 | $64,359-23.8% | $90,161-45.6% | $70,126-30.1% |
| Participation rate | 93.5% | 70.4%+23.0pp | 76.9%+16.6pp | 69.5%+23.9pp |
| Annual return | 32.04% | 28.13%+3.9pp | 34.89%-2.8pp | 73.15%-41.1pp |
| Employer contribution / active EE | $3,516 | $2,046+71.9% | $3,318+6.0% | $2,343+50.1% |
| Participant deferral / active EE | $6,022 | $4,389+37.2% | $5,287+13.9% | $3,332+80.7% |
| Admin fee / account holder | $8,357 | $3,945+111.8% | $5,943+40.6% | $4,645+79.9% |