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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 | $58,124 | $106,864-45.6% | $147,318-60.5% | $82,637-29.7% |
| Participation rate | 96.7% | 75.5%+21.2pp | 82.1%+14.6pp | 68.1%+28.6pp |
| Annual return | 17.34% | 27.49%-10.1pp | 70.43%-53.1pp | 53.51%-36.2pp |
| Employer contribution / active EE | $6,157 | $3,417+80.2% | $4,593+34.0% | $2,552+141.2% |
| Participant deferral / active EE | $8,263 | $6,496+27.2% | $7,906+4.5% | $4,126+100.3% |
| Admin fee / account holder | $3,920 | $8,415-53.4% | $13,708-71.4% | $7,339-46.6% |