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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 | $38,194 | $99,345-61.6% | $84,753-54.9% | $273,972-86.1% |
| Participation rate | 92.3% | 80.7%+11.6pp | 76.6%+15.7pp | 83.0%+9.3pp |
| Annual return | 5.89% | 22.93%-17.0pp | 22.78%-16.9pp | 41.46%-35.6pp |
| Employer contribution / active EE | $9,794 | $4,214+132.4% | $3,574+174.0% | $4,869+101.2% |
| Participant deferral / active EE | $6,408 | $4,270+50.1% | $3,712+72.6% | $5,287+21.2% |
| Admin fee / account holder | $622 | $6,645-90.6% | $5,333-88.3% | $10,133-93.9% |