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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 | $51,813 | $124,425-58.4% | $112,040-53.8% | $137,256-62.3% |
| Participation rate | 91.3% | 79.3%+12.0pp | 76.5%+14.8pp | 80.0%+11.3pp |
| Annual return | 12.59% | 24.72%-12.1pp | 24.52%-11.9pp | 220.34%-207.7pp |
| Employer contribution / active EE | $8,896 | $3,411+160.8% | $2,954+201.2% | $4,156+114.1% |
| Participant deferral / active EE | $4,353 | $5,718-23.9% | $5,098-14.6% | $6,407-32.1% |
| Admin fee / account holder | $7,977 | $15,207-47.5% | $12,098-34.1% | $12,270-35.0% |