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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 | $48,269 | $73,955-34.7% | $96,520-50.0% | $75,181-35.8% |
| Participation rate | 92.8% | 66.4%+26.3pp | 74.3%+18.4pp | 67.2%+25.6pp |
| Annual return | 16.09% | 26.72%-10.6pp | 35.72%-19.6pp | 160.69%-144.6pp |
| Employer contribution / active EE | $4,626 | $2,930+57.9% | $3,739+23.7% | $2,671+73.2% |
| Participant deferral / active EE | $6,609 | $3,659+80.6% | $4,879+35.5% | $4,126+60.2% |
| Admin fee / account holder | $5,607 | $5,217+7.5% | $6,733-16.7% | $5,650-0.8% |