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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 | $57,140-0.9% | $85,240-33.6% | $80,959-30.1% |
| Participation rate | 93.0% | 56.4%+36.6pp | 67.5%+25.5pp | 67.7%+25.4pp |
| Annual return | 11.45% | 21.71%-10.3pp | 66.75%-55.3pp | 35.67%-24.2pp |
| Employer contribution / active EE | $7,971 | $1,802+342.4% | $2,735+191.4% | $2,757+189.1% |
| Participant deferral / active EE | $1,070 | $3,115-65.7% | $4,527-76.4% | $4,300-75.1% |
| Admin fee / account holder | $9,127 | $4,992+82.8% | $6,165+48.1% | $6,925+31.8% |