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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 | $71,040 | $81,476-12.8% | $102,383-30.6% | $80,925-12.2% |
| Participation rate | 88.5% | 66.8%+21.6pp | 74.5%+14.0pp | 67.7%+20.8pp |
| Annual return | 10.82% | 25.59%-14.8pp | 24.94%-14.1pp | 35.65%-24.8pp |
| Employer contribution / active EE | $8,669 | $3,105+179.2% | $3,870+124.0% | $2,756+214.5% |
| Participant deferral / active EE | $2,526 | $3,871-34.8% | $5,060-50.1% | $4,299-41.2% |
| Admin fee / account holder | $3,720 | $6,717-44.6% | $8,391-55.7% | $6,940-46.4% |