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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 | $51,503 | $60,349-14.7% | $74,184-30.6% | $62,881-18.1% |
| Participation rate | 88.0% | 72.7%+15.3pp | 76.6%+11.4pp | 69.3%+18.7pp |
| Annual return | 10.06% | 21.38%-11.3pp | 17.74%-7.7pp | 20.14%-10.1pp |
| Employer contribution / active EE | $6,731 | $1,680+300.6% | $2,370+184.0% | $2,281+195.1% |
| Participant deferral / active EE | $5,513 | $2,856+93.0% | $3,550+55.3% | $3,203+72.1% |
| Admin fee / account holder | $3,646 | $4,261-14.4% | $5,586-34.7% | $4,296-15.1% |