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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 | $46,269 | $106,749-56.7% | $145,433-68.2% | $82,448-43.9% |
| Participation rate | 93.8% | 75.6%+18.1pp | 82.1%+11.6pp | 68.1%+25.7pp |
| Annual return | 28.35% | 27.59%+0.8pp | 66.58%-38.2pp | 41.64%-13.3pp |
| Employer contribution / active EE | $4,741 | $3,444+37.7% | $4,554+4.1% | $2,551+85.9% |
| Participant deferral / active EE | $10,041 | $6,519+54.0% | $7,897+27.1% | $4,139+142.6% |
| Admin fee / account holder | $10,123 | $8,390+20.7% | $13,129-22.9% | $7,234+39.9% |