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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 | $50,053 | $101,795-50.8% | $165,100-69.7% | $80,959-38.2% |
| Participation rate | 94.8% | 71.8%+23.0pp | 78.6%+16.2pp | 67.7%+27.2pp |
| Annual return | 17.25% | 16.73%+0.5pp | 70.21%-53.0pp | 35.67%-18.4pp |
| Employer contribution / active EE | $3,712 | $2,954+25.7% | $4,348-14.6% | $2,757+34.6% |
| Participant deferral / active EE | $7,765 | $4,476+73.5% | $6,035+28.7% | $4,300+80.6% |
| Admin fee / account holder | $9,253 | $8,221+12.6% | $12,696-27.1% | $6,925+33.6% |