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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 | $47,267 | $72,273-34.6% | $101,275-53.3% | $79,856-40.8% |
| Participation rate | 86.7% | 68.5%+18.2pp | 75.8%+10.9pp | 69.6%+17.0pp |
| Annual return | 17.49% | 22.30%-4.8pp | 46.48%-29.0pp | 31.71%-14.2pp |
| Employer contribution / active EE | $9,835 | $2,691+265.5% | $3,660+168.7% | $2,471+298.0% |
| Participant deferral / active EE | $3,571 | $3,282+8.8% | $4,371-18.3% | $3,741-4.5% |
| Admin fee / account holder | $1,519 | $4,401-65.5% | $5,948-74.5% | $5,306-71.4% |