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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 | $53,535 | $95,404-43.9% | $113,397-52.8% | $82,637-35.2% |
| Participation rate | 83.1% | 72.8%+10.3pp | 76.5%+6.6pp | 68.1%+15.0pp |
| Annual return | 21.17% | 19.08%+2.1pp | 23.20%-2.0pp | 53.51%-32.3pp |
| Employer contribution / active EE | $10,189 | $2,307+341.7% | $2,977+242.2% | $2,552+299.2% |
| Participant deferral / active EE | $15,173 | $4,220+259.6% | $5,076+198.9% | $4,126+267.7% |
| Admin fee / account holder | $6,777 | $9,168-26.1% | $11,957-43.3% | $7,339-7.7% |