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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 | $44,586 | $94,436-52.8% | $115,599-61.4% | $82,637-46.0% |
| Participation rate | 97.3% | 70.4%+26.8pp | 74.3%+23.0pp | 68.1%+29.2pp |
| Annual return | 19.33% | 18.37%+1.0pp | 111.10%-91.8pp | 53.51%-34.2pp |
| Employer contribution / active EE | $3,877 | $2,324+66.9% | $2,955+31.2% | $2,552+51.9% |
| Participant deferral / active EE | $6,564 | $3,955+66.0% | $4,889+34.3% | $4,126+59.1% |
| Admin fee / account holder | $4,372 | $10,328-57.7% | $12,841-66.0% | $7,339-40.4% |