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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 | $44,328 | $57,061-22.3% | $85,063-47.9% | $80,911-45.2% |
| Participation rate | 80.0% | 56.3%+23.7pp | 67.5%+12.5pp | 67.6%+12.4pp |
| Annual return | 22.54% | 21.66%+0.9pp | 66.54%-44.0pp | 35.63%-13.1pp |
| Employer contribution / active EE | $2,854 | $1,799+58.6% | $2,727+4.6% | $2,756+3.6% |
| Participant deferral / active EE | $8,003 | $3,110+157.3% | $4,523+77.0% | $4,297+86.2% |
| Admin fee / account holder | $562 | $4,986-88.7% | $6,155-90.9% | $6,935-91.9% |