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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 | $49,377 | $63,082-21.7% | $81,726-39.6% | $79,856-38.2% |
| Participation rate | 88.9% | 67.5%+21.4pp | 72.0%+16.9pp | 69.6%+19.2pp |
| Annual return | 36.75% | 22.66%+14.1pp | 29.49%+7.3pp | 31.71%+5.0pp |
| Employer contribution / active EE | $2,479 | $1,795+38.1% | $4,311-42.5% | $2,471+0.3% |
| Participant deferral / active EE | $10,208 | $2,780+267.1% | $7,108+43.6% | $3,741+172.9% |
| Admin fee / account holder | $1,322 | $4,428-70.1% | $5,160-74.4% | $5,306-75.1% |