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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 | $47,825 | $73,787-35.2% | $98,716-51.6% | $82,448-42.0% |
| Participation rate | 98.0% | 61.4%+36.6pp | 69.3%+28.7pp | 68.1%+29.9pp |
| Annual return | 20.27% | 18.57%+1.7pp | 31.81%-11.5pp | 41.64%-21.4pp |
| Employer contribution / active EE | $3,429 | $1,511+126.9% | $2,279+50.5% | $2,551+34.4% |
| Participant deferral / active EE | $8,584 | $3,081+178.6% | $4,048+112.1% | $4,139+107.4% |
| Admin fee / account holder | $5,739 | $6,500-11.7% | $8,703-34.1% | $7,234-20.7% |