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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 | $57,188 | $43,075+32.8% | $74,577-23.3% | $62,881-9.1% |
| Participation rate | 94.9% | 58.1%+36.8pp | 68.1%+26.8pp | 69.3%+25.6pp |
| Annual return | 8.95% | 17.50%-8.5pp | 20.47%-11.5pp | 20.14%-11.2pp |
| Employer contribution / active EE | $5,997 | $1,498+300.4% | $2,525+137.5% | $2,281+162.9% |
| Participant deferral / active EE | $5,307 | $2,389+122.1% | $3,458+53.5% | $3,203+65.7% |
| Admin fee / account holder | $2,051 | $2,840-27.8% | $4,138-50.4% | $4,296-52.2% |