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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 | $45,854 | $81,457-43.7% | $103,378-55.6% | $80,911-43.3% |
| Participation rate | 84.5% | 66.8%+17.6pp | 74.5%+10.0pp | 67.6%+16.8pp |
| Annual return | 11.93% | 25.58%-13.6pp | 24.91%-13.0pp | 35.63%-23.7pp |
| Employer contribution / active EE | $7,990 | $3,107+157.1% | $3,870+106.4% | $2,756+189.9% |
| Participant deferral / active EE | $3,615 | $3,871-6.6% | $5,058-28.5% | $4,297-15.9% |
| Admin fee / account holder | $1,372 | $6,717-79.6% | $8,401-83.7% | $6,935-80.2% |