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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 | $49,852 | $57,119-12.7% | $85,187-41.5% | $80,935-38.4% |
| Participation rate | 86.4% | 56.4%+30.0pp | 67.5%+18.8pp | 67.7%+18.7pp |
| Annual return | 12.18% | 21.70%-9.5pp | 66.67%-54.5pp | 35.66%-23.5pp |
| Employer contribution / active EE | $3,388 | $1,802+88.1% | $2,732+24.0% | $2,757+22.9% |
| Participant deferral / active EE | $6,725 | $3,115+115.9% | $4,525+48.6% | $4,299+56.4% |
| Admin fee / account holder | $4,441 | $4,990-11.0% | $6,162-27.9% | $6,924-35.9% |