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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 | $57,073-0.8% | $85,126-33.5% | $80,925-30.0% |
| Participation rate | 93.0% | 56.4%+36.6pp | 67.5%+25.5pp | 67.7%+25.4pp |
| Annual return | 11.45% | 21.69%-10.2pp | 66.63%-55.2pp | 35.65%-24.2pp |
| Employer contribution / active EE | $7,971 | $1,801+342.7% | $2,731+191.8% | $2,756+189.2% |
| Participant deferral / active EE | $1,070 | $3,113-65.6% | $4,523-76.3% | $4,299-75.1% |
| Admin fee / account holder | $9,127 | $4,988+83.0% | $6,160+48.2% | $6,940+31.5% |