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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 | $52,779 | $87,166-39.4% | $76,735-31.2% | $137,256-61.5% |
| Participation rate | 90.0% | 74.4%+15.6pp | 69.5%+20.5pp | 80.0%+10.0pp |
| Annual return | 20.96% | 26.50%-5.5pp | 29.77%-8.8pp | 220.34%-199.4pp |
| Employer contribution / active EE | $3,664 | $2,904+26.2% | $2,454+49.3% | $4,156-11.8% |
| Participant deferral / active EE | $8,429 | $4,726+78.3% | $4,088+106.2% | $6,407+31.6% |
| Admin fee / account holder | $1,174 | $8,403-86.0% | $7,189-83.7% | $12,270-90.4% |