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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 | $51,051 | $80,855-36.9% | $153,416-66.7% | $86,983-41.3% |
| Participation rate | 93.5% | 64.1%+29.4pp | 74.3%+19.2pp | 69.5%+24.0pp |
| Annual return | 18.24% | 16.18%+2.1pp | 17.84%+0.4pp | 25.83%-7.6pp |
| Employer contribution / active EE | $5,161 | $2,308+123.6% | $3,764+37.1% | $2,584+99.7% |
| Participant deferral / active EE | $6,329 | $3,333+89.9% | $4,723+34.0% | $4,194+50.9% |
| Admin fee / account holder | $1,375 | $6,908-80.1% | $13,095-89.5% | $7,856-82.5% |