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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 | $56,432 | $146,267-61.4% | $197,124-71.4% | $82,448-31.6% |
| Participation rate | 95.3% | 84.0%+11.3pp | 86.7%+8.6pp | 68.1%+27.3pp |
| Annual return | 28.47% | 29.61%-1.1pp | 44.34%-15.9pp | 41.64%-13.2pp |
| Employer contribution / active EE | $5,690 | $4,723+20.5% | $6,227-8.6% | $2,551+123.1% |
| Participant deferral / active EE | $13,036 | $7,035+85.3% | $9,135+42.7% | $4,139+214.9% |
| Admin fee / account holder | $1,891 | $14,422-86.9% | $16,298-88.4% | $7,234-73.9% |