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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 | $51,442 | $91,019-43.5% | $392,568-86.9% | $72,975-29.5% |
| Participation rate | 94.4% | 74.4%+20.1pp | 78.1%+16.4pp | 69.5%+25.0pp |
| Annual return | 22.51% | 20.00%+2.5pp | 24.42%-1.9pp | 81.01%-58.5pp |
| Employer contribution / active EE | $3,399 | $2,751+23.6% | $3,783-10.2% | $2,440+39.3% |
| Participant deferral / active EE | $5,980 | $4,570+30.9% | $5,985-0.1% | $3,608+65.8% |
| Admin fee / account holder | $1,660 | $4,895-66.1% | $6,260-73.5% | $5,124-67.6% |