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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 | $52,875 | $81,504-35.1% | $102,437-48.4% | $80,959-34.7% |
| Participation rate | 85.3% | 66.9%+18.4pp | 74.5%+10.8pp | 67.7%+17.6pp |
| Annual return | 13.54% | 25.60%-12.1pp | 24.95%-11.4pp | 35.67%-22.1pp |
| Employer contribution / active EE | $3,890 | $3,104+25.3% | $3,871+0.5% | $2,757+41.1% |
| Participant deferral / active EE | $7,507 | $3,871+93.9% | $5,060+48.4% | $4,300+74.6% |
| Admin fee / account holder | $11,739 | $6,719+74.7% | $8,388+39.9% | $6,925+69.5% |