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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 | $53,457 | $70,486-24.2% | $100,528-46.8% | $79,852-33.1% |
| Participation rate | 89.4% | 73.6%+15.7pp | 79.4%+10.0pp | 69.6%+19.8pp |
| Annual return | 21.32% | 21.90%-0.6pp | 30.90%-9.6pp | 31.72%-10.4pp |
| Employer contribution / active EE | $6,575 | $2,165+203.7% | $3,419+92.3% | $2,471+166.1% |
| Participant deferral / active EE | $8,105 | $5,182+56.4% | $6,271+29.2% | $3,740+116.7% |
| Admin fee / account holder | $327 | $4,480-92.7% | $8,084-96.0% | $5,306-93.8% |