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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 | $57,161 | $63,365-9.8% | $91,994-37.9% | $72,975-21.7% |
| Participation rate | 93.3% | 72.5%+20.8pp | 78.6%+14.7pp | 69.5%+23.8pp |
| Annual return | 29.13% | 35.35%-6.2pp | 69.04%-39.9pp | 81.01%-51.9pp |
| Employer contribution / active EE | $3,634 | $2,116+71.8% | $3,453+5.3% | $2,440+48.9% |
| Participant deferral / active EE | $6,193 | $4,883+26.8% | $5,924+4.5% | $3,608+71.7% |
| Admin fee / account holder | $1,974 | $4,670-57.7% | $7,744-74.5% | $5,124-61.5% |