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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 | $48,107 | $64,359-25.3% | $90,161-46.6% | $70,126-31.4% |
| Participation rate | 97.6% | 70.4%+27.1pp | 76.9%+20.7pp | 69.5%+28.0pp |
| Annual return | 36.05% | 28.13%+7.9pp | 34.89%+1.2pp | 73.15%-37.1pp |
| Employer contribution / active EE | $3,159 | $2,046+54.4% | $3,318-4.8% | $2,343+34.8% |
| Participant deferral / active EE | $6,394 | $4,389+45.7% | $5,287+20.9% | $3,332+91.9% |
| Admin fee / account holder | $715 | $3,945-81.9% | $5,943-88.0% | $4,645-84.6% |