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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 | $53,288 | $135,956-60.8% | $123,894-57.0% | $273,972-80.5% |
| Participation rate | 90.5% | 84.1%+6.4pp | 81.4%+9.1pp | 83.0%+7.5pp |
| Annual return | 5.70% | 56.63%-50.9pp | 47.52%-41.8pp | 41.46%-35.8pp |
| Employer contribution / active EE | $4,609 | $5,170-10.8% | $4,617-0.2% | $4,869-5.3% |
| Participant deferral / active EE | $5,376 | $6,343-15.2% | $5,984-10.2% | $5,287+1.7% |
| Admin fee / account holder | $346 | $9,817-96.5% | $8,357-95.9% | $10,133-96.6% |