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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 | $50,181 | $77,962-35.6% | $178,540-71.9% | $80,935-38.0% |
| Participation rate | 96.7% | 65.7%+31.0pp | 77.1%+19.6pp | 67.7%+29.0pp |
| Annual return | 14.30% | 18.10%-3.8pp | 27.15%-12.8pp | 35.66%-21.4pp |
| Employer contribution / active EE | $6,599 | $2,280+189.4% | $3,953+66.9% | $2,757+139.4% |
| Participant deferral / active EE | $4,467 | $4,404+1.4% | $6,281-28.9% | $4,299+3.9% |
| Admin fee / account holder | $696 | $7,156-90.3% | $10,424-93.3% | $6,924-90.0% |