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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 | $47,760 | $185,312-74.2% | $161,489-70.4% | $154,746-69.1% |
| Participation rate | 88.9% | 82.5%+6.4pp | 78.7%+10.2pp | 80.7%+8.2pp |
| Annual return | 18.16% | 103.84%-85.7pp | 89.72%-71.6pp | 172.34%-154.2pp |
| Employer contribution / active EE | $5,588 | $4,769+17.2% | $4,268+30.9% | $4,379+27.6% |
| Participant deferral / active EE | $4,214 | $6,350-33.6% | $5,630-25.1% | $6,730-37.4% |
| Admin fee / account holder | $714 | $18,654-96.2% | $16,006-95.5% | $14,365-95.0% |