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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 | $46,239 | $121,671-62.0% | $211,142-78.1% | $64,340-28.1% |
| Participation rate | 90.7% | 76.5%+14.2pp | 87.3%+3.4pp | 55.2%+35.5pp |
| Annual return | 27.79% | 21.43%+6.4pp | 46.84%-19.0pp | 24.14%+3.6pp |
| Employer contribution / active EE | $2,989 | $4,066-26.5% | $6,442-53.6% | $1,862+60.6% |
| Participant deferral / active EE | $7,092 | $6,049+17.2% | $9,284-23.6% | $2,980+138.0% |
| Admin fee / account holder | $5,137 | $4,774+7.6% | $19,076-73.1% | $3,703+38.7% |