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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 | $55,845 | $72,273-22.7% | $101,275-44.9% | $79,856-30.1% |
| Participation rate | 96.4% | 68.5%+28.0pp | 75.8%+20.6pp | 69.6%+26.8pp |
| Annual return | 11.04% | 22.30%-11.3pp | 46.48%-35.4pp | 31.71%-20.7pp |
| Employer contribution / active EE | $7,038 | $2,691+161.5% | $3,660+92.3% | $2,471+184.8% |
| Participant deferral / active EE | $3,262 | $3,282-0.6% | $4,371-25.4% | $3,741-12.8% |
| Admin fee / account holder | $1,307 | $4,401-70.3% | $5,948-78.0% | $5,306-75.4% |