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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 | $71,732 | $86,949-17.5% | $102,460-30.0% | $80,959-11.4% |
| Participation rate | 90.6% | 72.4%+18.2pp | 76.5%+14.1pp | 67.7%+23.0pp |
| Annual return | 12.74% | 18.89%-6.2pp | 29.47%-16.7pp | 35.67%-22.9pp |
| Employer contribution / active EE | $14,155 | $2,370+497.3% | $3,025+367.9% | $2,757+413.4% |
| Participant deferral / active EE | $2,413 | $4,121-41.4% | $5,056-52.3% | $4,300-43.9% |
| Admin fee / account holder | $2,447 | $8,048-69.6% | $9,460-74.1% | $6,925-64.7% |