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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 | $77,592 | $95,453-18.7% | $112,040-30.7% | $82,448-5.9% |
| Participation rate | 95.3% | 72.8%+22.6pp | 76.5%+18.9pp | 68.1%+27.3pp |
| Annual return | 30.26% | 23.92%+6.3pp | 24.52%+5.7pp | 41.64%-11.4pp |
| Employer contribution / active EE | $5,700 | $2,318+145.9% | $2,954+93.0% | $2,551+123.4% |
| Participant deferral / active EE | $14,229 | $4,224+236.9% | $5,098+179.1% | $4,139+243.7% |
| Admin fee / account holder | $45,769 | $9,013+407.8% | $12,098+278.3% | $7,234+532.7% |