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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 | $50,278 | $64,359-21.9% | $90,161-44.2% | $70,124-28.3% |
| Participation rate | 74.0% | 70.4%+3.6pp | 76.9%-2.9pp | 69.5%+4.5pp |
| Annual return | 31.34% | 28.13%+3.2pp | 34.89%-3.6pp | 73.14%-41.8pp |
| Employer contribution / active EE | $3,135 | $2,046+53.3% | $3,318-5.5% | $2,342+33.8% |
| Participant deferral / active EE | $7,945 | $4,389+81.0% | $5,287+50.3% | $3,332+138.5% |
| Admin fee / account holder | $1,227 | $3,945-68.9% | $5,943-79.3% | $4,645-73.6% |