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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 | $56,914 | $72,269-21.2% | $101,271-43.8% | $79,852-28.7% |
| Participation rate | 86.5% | 68.5%+18.1pp | 75.8%+10.7pp | 69.6%+16.9pp |
| Annual return | 20.72% | 22.29%-1.6pp | 46.48%-25.8pp | 31.72%-11.0pp |
| Employer contribution / active EE | $4,734 | $2,692+75.9% | $3,660+29.3% | $2,471+91.6% |
| Participant deferral / active EE | $5,926 | $3,282+80.6% | $4,371+35.6% | $3,740+58.4% |
| Admin fee / account holder | $13,243 | $4,401+200.9% | $5,948+122.7% | $5,306+149.6% |