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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 | $45,016 | $49,657-9.3% | $93,063-51.6% | $67,986-33.8% |
| Participation rate | 92.4% | 49.9%+42.5pp | 72.1%+20.3pp | 57.2%+35.2pp |
| Annual return | 28.39% | 26.27%+2.1pp | 34.15%-5.8pp | 31.67%-3.3pp |
| Employer contribution / active EE | $3,506 | $1,279+174.3% | $2,476+41.6% | $2,019+73.7% |
| Participant deferral / active EE | $6,991 | $2,484+181.4% | $3,958+76.6% | $3,358+108.2% |
| Admin fee / account holder | $2,596 | $2,843-8.7% | $6,033-57.0% | $3,203-19.0% |