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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 | $56,609 | $76,551-26.1% | $123,894-54.3% | $62,881-10.0% |
| Participation rate | 90.9% | 73.0%+17.9pp | 81.4%+9.5pp | 69.3%+21.6pp |
| Annual return | 9.07% | 18.68%-9.6pp | 47.52%-38.4pp | 20.14%-11.1pp |
| Employer contribution / active EE | $2,101 | $2,882-27.1% | $4,617-54.5% | $2,281-7.9% |
| Participant deferral / active EE | $4,377 | $4,840-9.6% | $5,984-26.9% | $3,203+36.6% |
| Admin fee / account holder | $4,616 | $4,826-4.3% | $8,357-44.8% | $4,296+7.5% |