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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 | $57,057+38.3% | $85,009-7.2% | $80,874-2.4% |
| Participation rate | 83.3% | 56.4%+27.0pp | 67.5%+15.8pp | 67.6%+15.7pp |
| Annual return | 12.97% | 21.66%-8.7pp | 66.47%-53.5pp | 35.62%-22.6pp |
| Employer contribution / active EE | $4,610 | $1,799+156.3% | $2,728+69.0% | $2,756+67.3% |
| Participant deferral / active EE | $1,671 | $3,112-46.3% | $4,522-63.1% | $4,297-61.1% |
| Admin fee / account holder | $1,145 | $4,986-77.0% | $6,153-81.4% | $6,935-83.5% |