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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 | $47,965 | $58,848-18.5% | $88,179-45.6% | $82,637-42.0% |
| Participation rate | 74.1% | 57.9%+16.2pp | 69.1%+4.9pp | 68.1%+6.0pp |
| Annual return | 23.63% | 22.76%+0.9pp | 64.97%-41.3pp | 53.51%-29.9pp |
| Employer contribution / active EE | $3,077 | $1,678+83.3% | $2,549+20.7% | $2,552+20.6% |
| Participant deferral / active EE | $6,001 | $3,124+92.1% | $4,614+30.1% | $4,126+45.4% |
| Admin fee / account holder | $1,205 | $4,795-74.9% | $7,673-84.3% | $7,339-83.6% |