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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 | $48,621 | $106,749-54.5% | $145,433-66.6% | $82,448-41.0% |
| Participation rate | 85.2% | 75.6%+9.5pp | 82.1%+3.1pp | 68.1%+17.1pp |
| Annual return | 21.09% | 27.59%-6.5pp | 66.58%-45.5pp | 41.64%-20.6pp |
| Employer contribution / active EE | $3,530 | $3,444+2.5% | $4,554-22.5% | $2,551+38.4% |
| Participant deferral / active EE | $10,579 | $6,519+62.3% | $7,897+34.0% | $4,139+155.6% |
| Admin fee / account holder | $3,896 | $8,390-53.6% | $13,129-70.3% | $7,234-46.1% |