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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 | $78,930 | $57,073+38.3% | $85,126-7.3% | $80,925-2.5% |
| Participation rate | 83.3% | 56.4%+26.9pp | 67.5%+15.8pp | 67.7%+15.7pp |
| Annual return | 12.97% | 21.69%-8.7pp | 66.63%-53.7pp | 35.65%-22.7pp |
| Employer contribution / active EE | $4,610 | $1,801+156.0% | $2,731+68.8% | $2,756+67.3% |
| Participant deferral / active EE | $1,671 | $3,113-46.3% | $4,523-63.1% | $4,299-61.1% |
| Admin fee / account holder | $1,145 | $4,988-77.1% | $6,160-81.4% | $6,940-83.5% |