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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 | $52,652 | $72,027-26.9% | $185,835-71.7% | $79,852-34.1% |
| Participation rate | 97.4% | 65.8%+31.7pp | 78.0%+19.4pp | 69.6%+27.8pp |
| Annual return | 15.37% | 23.13%-7.8pp | 35.96%-20.6pp | 31.72%-16.3pp |
| Employer contribution / active EE | $5,824 | $1,965+196.3% | $4,087+42.5% | $2,471+135.7% |
| Participant deferral / active EE | $7,976 | $3,780+111.0% | $5,633+41.6% | $3,740+113.2% |
| Admin fee / account holder | $17,917 | $4,513+297.0% | $9,502+88.6% | $5,306+237.7% |