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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 | $59,105 | $74,535-20.7% | $100,712-41.3% | $82,637-28.5% |
| Participation rate | 95.0% | 61.2%+33.8pp | 69.3%+25.7pp | 68.1%+26.9pp |
| Annual return | 16.85% | 18.92%-2.1pp | 33.27%-16.4pp | 53.51%-36.7pp |
| Employer contribution / active EE | $5,028 | $1,503+234.6% | $2,313+117.4% | $2,552+97.0% |
| Participant deferral / active EE | $9,419 | $3,074+206.4% | $4,085+130.6% | $4,126+128.3% |
| Admin fee / account holder | $11,063 | $6,576+68.2% | $9,256+19.5% | $7,339+50.7% |