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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 | $48,227 | $143,969-66.5% | $199,883-75.9% | $82,637-41.6% |
| Participation rate | 93.3% | 84.1%+9.2pp | 86.8%+6.6pp | 68.1%+25.3pp |
| Annual return | 16.42% | 25.67%-9.3pp | 43.81%-27.4pp | 53.51%-37.1pp |
| Employer contribution / active EE | $6,485 | $4,632+40.0% | $6,261+3.6% | $2,552+154.1% |
| Participant deferral / active EE | $9,238 | $6,937+33.2% | $9,138+1.1% | $4,126+123.9% |
| Admin fee / account holder | $1,834 | $14,597-87.4% | $17,268-89.4% | $7,339-75.0% |