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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 | $106,524-56.6% | $152,301-69.6% | $87,485-47.1% |
| Participation rate | 93.8% | 75.8%+18.0pp | 82.4%+11.3pp | 68.9%+24.8pp |
| Annual return | 28.35% | 26.89%+1.5pp | 80.50%-52.2pp | 26.06%+2.3pp |
| Employer contribution / active EE | $4,741 | $3,371+40.6% | $4,624+2.5% | $2,596+82.6% |
| Participant deferral / active EE | $10,041 | $6,525+53.9% | $8,004+25.5% | $4,274+135.0% |
| Admin fee / account holder | $10,123 | $8,287+22.2% | $14,398-29.7% | $7,775+30.2% |