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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 | $49,119 | $96,558-49.1% | $80,977-39.3% | $273,972-82.1% |
| Participation rate | 91.7% | 79.1%+12.6pp | 75.8%+15.9pp | 83.0%+8.7pp |
| Annual return | 7.62% | 15.14%-7.5pp | 17.11%-9.5pp | 41.46%-33.8pp |
| Employer contribution / active EE | $12,960 | $4,869+166.2% | $3,715+248.9% | $4,869+166.2% |
| Participant deferral / active EE | $8,349 | $6,598+26.5% | $5,696+46.6% | $5,287+57.9% |
| Admin fee / account holder | $399 | $7,493-94.7% | $5,517-92.8% | $10,133-96.1% |