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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 | $47,845 | $84,953-43.7% | $163,379-70.7% | $82,637-42.1% |
| Participation rate | 88.9% | 65.9%+22.9pp | 76.8%+12.1pp | 68.1%+20.8pp |
| Annual return | 32.32% | 23.07%+9.2pp | 63.41%-31.1pp | 53.51%-21.2pp |
| Employer contribution / active EE | $4,800 | $2,183+119.9% | $3,752+27.9% | $2,552+88.1% |
| Participant deferral / active EE | $7,305 | $4,326+68.9% | $6,282+16.3% | $4,126+77.0% |
| Admin fee / account holder | $2,995 | $7,921-62.2% | $9,818-69.5% | $7,339-59.2% |