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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 | $57,559 | $201,372-71.4% | $184,260-68.8% | $145,884-60.5% |
| Participation rate | 94.1% | 87.5%+6.6pp | 86.8%+7.3pp | 80.3%+13.8pp |
| Annual return | 27.10% | 29.04%-1.9pp | 28.84%-1.7pp | 551.85%-524.8pp |
| Employer contribution / active EE | $5,483 | $7,024-21.9% | $6,427-14.7% | $4,662+17.6% |
| Participant deferral / active EE | $12,167 | $9,808+24.1% | $9,133+33.2% | $6,690+81.9% |
| Admin fee / account holder | $4,310 | $16,362-73.7% | $13,898-69.0% | $13,392-67.8% |