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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 | $57,119-0.9% | $85,187-33.5% | $80,935-30.1% |
| Participation rate | 93.0% | 56.4%+36.6pp | 67.5%+25.5pp | 67.7%+25.4pp |
| Annual return | 11.45% | 21.70%-10.3pp | 66.67%-55.2pp | 35.66%-24.2pp |
| Employer contribution / active EE | $7,971 | $1,802+342.5% | $2,732+191.7% | $2,757+189.2% |
| Participant deferral / active EE | $1,070 | $3,115-65.6% | $4,525-76.4% | $4,299-75.1% |
| Admin fee / account holder | $9,127 | $4,990+82.9% | $6,162+48.1% | $6,924+31.8% |