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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 | $48,634 | $106,749-54.4% | $145,433-66.6% | $82,448-41.0% |
| Participation rate | 89.7% | 75.6%+14.0pp | 82.1%+7.5pp | 68.1%+21.6pp |
| Annual return | 23.14% | 27.59%-4.4pp | 66.58%-43.4pp | 41.64%-18.5pp |
| Employer contribution / active EE | $816 | $3,444-76.3% | $4,554-82.1% | $2,551-68.0% |
| Participant deferral / active EE | $7,678 | $6,519+17.8% | $7,897-2.8% | $4,139+85.5% |
| Admin fee / account holder | $13,768 | $8,390+64.1% | $13,129+4.9% | $7,234+90.3% |