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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 | $54,210 | $138,366-60.8% | $184,185-70.6% | $80,911-33.0% |
| Participation rate | 96.6% | 83.9%+12.7pp | 86.8%+9.7pp | 67.6%+28.9pp |
| Annual return | 16.08% | 20.02%-3.9pp | 28.81%-12.7pp | 35.63%-19.5pp |
| Employer contribution / active EE | $5,480 | $4,849+13.0% | $6,426-14.7% | $2,756+98.9% |
| Participant deferral / active EE | $7,090 | $7,074+0.2% | $9,132-22.4% | $4,297+65.0% |
| Admin fee / account holder | $710 | $10,484-93.2% | $13,909-94.9% | $6,935-89.8% |