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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 | $49,875 | $94,436-47.2% | $115,599-56.9% | $82,637-39.6% |
| Participation rate | 97.5% | 70.4%+27.1pp | 74.3%+23.2pp | 68.1%+29.4pp |
| Annual return | 14.36% | 18.37%-4.0pp | 111.10%-96.7pp | 53.51%-39.1pp |
| Employer contribution / active EE | $3,221 | $2,324+38.6% | $2,955+9.0% | $2,552+26.2% |
| Participant deferral / active EE | $4,984 | $3,955+26.0% | $4,889+1.9% | $4,126+20.8% |
| Admin fee / account holder | $509 | $10,328-95.1% | $12,841-96.0% | $7,339-93.1% |