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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 | $50,865 | $81,487-37.6% | $102,412-50.3% | $80,935-37.2% |
| Participation rate | 95.5% | 66.8%+28.7pp | 74.5%+21.0pp | 67.7%+27.8pp |
| Annual return | 13.17% | 25.60%-12.4pp | 24.94%-11.8pp | 35.66%-22.5pp |
| Employer contribution / active EE | $16,982 | $3,103+447.3% | $3,870+338.8% | $2,757+516.0% |
| Participant deferral / active EE | $2,853 | $3,871-26.3% | $5,060-43.6% | $4,299-33.6% |
| Admin fee / account holder | $3,419 | $6,717-49.1% | $8,388-59.2% | $6,924-50.6% |