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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 | $53,199 | $81,403-34.6% | $147,027-63.8% | $87,485-39.2% |
| Participation rate | 80.9% | 63.4%+17.4pp | 73.7%+7.1pp | 68.9%+12.0pp |
| Annual return | 30.92% | 16.51%+14.4pp | 20.23%+10.7pp | 26.06%+4.9pp |
| Employer contribution / active EE | $4,945 | $2,205+124.2% | $3,626+36.4% | $2,596+90.5% |
| Participant deferral / active EE | $6,411 | $3,315+93.4% | $4,933+30.0% | $4,274+50.0% |
| Admin fee / account holder | $12,070 | $6,755+78.7% | $12,223-1.2% | $7,775+55.3% |