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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 | $51,134 | $106,749-52.1% | $145,433-64.8% | $82,448-38.0% |
| Participation rate | 98.5% | 75.6%+22.9pp | 82.1%+16.4pp | 68.1%+30.4pp |
| Annual return | 20.36% | 27.59%-7.2pp | 66.58%-46.2pp | 41.64%-21.3pp |
| Employer contribution / active EE | $4,646 | $3,444+34.9% | $4,554+2.0% | $2,551+82.1% |
| Participant deferral / active EE | $10,319 | $6,519+58.3% | $7,897+30.7% | $4,139+149.3% |
| Admin fee / account holder | $2,075 | $8,390-75.3% | $13,129-84.2% | $7,234-71.3% |