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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 | $40,693 | $86,940-53.2% | $102,434-60.3% | $80,935-49.7% |
| Participation rate | 85.3% | 72.4%+12.9pp | 76.5%+8.8pp | 67.7%+17.6pp |
| Annual return | 16.83% | 18.89%-2.1pp | 29.46%-12.6pp | 35.66%-18.8pp |
| Employer contribution / active EE | $5,855 | $2,370+147.1% | $3,023+93.7% | $2,757+112.4% |
| Participant deferral / active EE | $8,719 | $4,121+111.6% | $5,055+72.5% | $4,299+102.8% |
| Admin fee / account holder | $364 | $8,047-95.5% | $9,462-96.2% | $6,924-94.7% |