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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 | $56,613 | $57,057-0.8% | $85,009-33.4% | $80,874-30.0% |
| Participation rate | 93.0% | 56.4%+36.7pp | 67.5%+25.5pp | 67.6%+25.4pp |
| Annual return | 11.45% | 21.66%-10.2pp | 66.47%-55.0pp | 35.62%-24.2pp |
| Employer contribution / active EE | $7,971 | $1,799+343.2% | $2,728+192.2% | $2,756+189.3% |
| Participant deferral / active EE | $1,070 | $3,112-65.6% | $4,522-76.3% | $4,297-75.1% |
| Admin fee / account holder | $9,127 | $4,986+83.1% | $6,153+48.4% | $6,935+31.6% |