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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 | $47,815 | $86,940-45.0% | $102,434-53.3% | $80,935-40.9% |
| Participation rate | 96.3% | 72.4%+23.9pp | 76.5%+19.8pp | 67.7%+28.6pp |
| Annual return | 14.62% | 18.89%-4.3pp | 29.46%-14.8pp | 35.66%-21.0pp |
| Employer contribution / active EE | $7,046 | $2,370+197.4% | $3,023+133.1% | $2,757+155.6% |
| Participant deferral / active EE | $2,170 | $4,121-47.3% | $5,055-57.1% | $4,299-49.5% |
| Admin fee / account holder | $7,439 | $8,047-7.6% | $9,462-21.4% | $6,924+7.4% |