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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 | $48,287 | $48,076+0.4% | $78,690-38.6% | $62,891-23.2% |
| Participation rate | 83.3% | 65.2%+18.1pp | 73.6%+9.8pp | 69.3%+14.0pp |
| Annual return | 6.59% | 31.35%-24.8pp | 62.18%-55.6pp | 20.14%-13.6pp |
| Employer contribution / active EE | $4,032 | $2,015+100.1% | $2,851+41.4% | $2,281+76.8% |
| Participant deferral / active EE | $4,801 | $2,588+85.5% | $3,517+36.5% | $3,203+49.9% |
| Admin fee / account holder | $1,691 | $3,207-47.3% | $4,511-62.5% | $4,296-60.6% |