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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 | $52,110 | $81,476-36.0% | $102,383-49.1% | $80,925-35.6% |
| Participation rate | 94.2% | 66.8%+27.4pp | 74.5%+19.7pp | 67.7%+26.5pp |
| Annual return | 17.28% | 25.59%-8.3pp | 24.94%-7.7pp | 35.65%-18.4pp |
| Employer contribution / active EE | $4,233 | $3,105+36.3% | $3,870+9.4% | $2,756+53.6% |
| Participant deferral / active EE | $9,189 | $3,871+137.4% | $5,060+81.6% | $4,299+113.8% |
| Admin fee / account holder | $7,782 | $6,717+15.8% | $8,391-7.3% | $6,940+12.1% |