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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 | $54,255 | $106,749-49.2% | $145,433-62.7% | $82,448-34.2% |
| Participation rate | 94.9% | 75.6%+19.3pp | 82.1%+12.8pp | 68.1%+26.8pp |
| Annual return | 25.66% | 27.59%-1.9pp | 66.58%-40.9pp | 41.64%-16.0pp |
| Employer contribution / active EE | $4,615 | $3,444+34.0% | $4,554+1.3% | $2,551+80.9% |
| Participant deferral / active EE | $11,345 | $6,519+74.0% | $7,897+43.7% | $4,139+174.1% |
| Admin fee / account holder | $1,382 | $8,390-83.5% | $13,129-89.5% | $7,234-80.9% |