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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 | $77,896-31.7% | $134,172-60.4% | $82,448-35.5% |
| Participation rate | 80.9% | 62.8%+18.1pp | 72.5%+8.4pp | 68.1%+12.8pp |
| Annual return | 30.92% | 18.21%+12.7pp | 25.30%+5.6pp | 41.64%-10.7pp |
| Employer contribution / active EE | $4,945 | $2,159+129.0% | $3,420+44.6% | $2,551+93.8% |
| Participant deferral / active EE | $6,411 | $3,162+102.8% | $4,690+36.7% | $4,139+54.9% |
| Admin fee / account holder | $12,070 | $6,336+90.5% | $12,016+0.5% | $7,234+66.8% |