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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 | $79,894-36.1% | $135,792-62.4% | $82,637-38.2% |
| Participation rate | 93.5% | 63.0%+30.5pp | 72.6%+21.0pp | 68.1%+25.5pp |
| Annual return | 18.24% | 17.20%+1.0pp | 25.96%-7.7pp | 53.51%-35.3pp |
| Employer contribution / active EE | $5,161 | $2,165+138.4% | $3,496+47.6% | $2,552+102.2% |
| Participant deferral / active EE | $6,329 | $3,194+98.2% | $4,759+33.0% | $4,126+53.4% |
| Admin fee / account holder | $1,375 | $6,434-78.6% | $12,266-88.8% | $7,339-81.3% |