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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 | $55,299 | $110,137-49.8% | $161,149-65.7% | $82,637-33.1% |
| Participation rate | 97.3% | 72.4%+24.9pp | 78.8%+18.5pp | 68.1%+29.2pp |
| Annual return | 17.84% | 20.69%-2.8pp | 21.16%-3.3pp | 53.51%-35.7pp |
| Employer contribution / active EE | $6,965 | $2,856+143.9% | $4,360+59.7% | $2,552+172.9% |
| Participant deferral / active EE | $13,977 | $4,575+205.5% | $6,153+127.2% | $4,126+238.7% |
| Admin fee / account holder | $8,780 | $9,467-7.3% | $15,194-42.2% | $7,339+19.6% |