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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 | $49,219 | $108,825-54.8% | $156,181-68.5% | $82,448-40.3% |
| Participation rate | 94.6% | 72.4%+22.2pp | 78.8%+15.8pp | 68.1%+26.5pp |
| Annual return | 14.87% | 20.59%-5.7pp | 64.87%-50.0pp | 41.64%-26.8pp |
| Employer contribution / active EE | $4,833 | $2,870+68.4% | $4,294+12.5% | $2,551+89.4% |
| Participant deferral / active EE | $9,038 | $4,577+97.5% | $6,132+47.4% | $4,139+118.4% |
| Admin fee / account holder | $10,220 | $9,341+9.4% | $14,586-29.9% | $7,234+41.3% |