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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 | $38,631 | $64,359-40.0% | $90,161-57.2% | $70,126-44.9% |
| Participation rate | 85.7% | 70.4%+15.3pp | 76.9%+8.8pp | 69.5%+16.2pp |
| Annual return | 16.39% | 28.13%-11.7pp | 34.89%-18.5pp | 73.15%-56.8pp |
| Employer contribution / active EE | $6,169 | $2,046+201.6% | $3,318+85.9% | $2,343+163.4% |
| Participant deferral / active EE | $7,277 | $4,389+65.8% | $5,287+37.6% | $3,332+118.4% |
| Admin fee / account holder | $622 | $3,945-84.2% | $5,943-89.5% | $4,645-86.6% |