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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 | $48,666 | $93,598-48.0% | $135,974-64.2% | $75,173-35.3% |
| Participation rate | 96.3% | 75.2%+21.1pp | 81.9%+14.4pp | 67.2%+29.1pp |
| Annual return | 18.49% | 30.89%-12.4pp | 68.30%-49.8pp | 160.72%-142.2pp |
| Employer contribution / active EE | $4,844 | $3,538+36.9% | $4,859-0.3% | $2,671+81.4% |
| Participant deferral / active EE | $5,490 | $6,405-14.3% | $7,760-29.3% | $4,126+33.0% |
| Admin fee / account holder | $1,465 | $6,978-79.0% | $10,767-86.4% | $5,651-74.1% |