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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 | $49,376 | $106,864-53.8% | $147,318-66.5% | $82,637-40.2% |
| Participation rate | 90.0% | 75.5%+14.5pp | 82.1%+7.9pp | 68.1%+21.9pp |
| Annual return | 18.63% | 27.49%-8.9pp | 70.43%-51.8pp | 53.51%-34.9pp |
| Employer contribution / active EE | $3,949 | $3,417+15.6% | $4,593-14.0% | $2,552+54.8% |
| Participant deferral / active EE | $6,179 | $6,496-4.9% | $7,906-21.8% | $4,126+49.8% |
| Admin fee / account holder | $2,123 | $8,415-74.8% | $13,708-84.5% | $7,339-71.1% |