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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 | $51,679 | $86,949-40.6% | $102,460-49.6% | $80,959-36.2% |
| Participation rate | 87.5% | 72.4%+15.1pp | 76.5%+11.0pp | 67.7%+19.8pp |
| Annual return | 12.30% | 18.89%-6.6pp | 29.47%-17.2pp | 35.67%-23.4pp |
| Employer contribution / active EE | $7,670 | $2,370+223.7% | $3,025+153.5% | $2,757+178.2% |
| Participant deferral / active EE | $6,486 | $4,121+57.4% | $5,056+28.3% | $4,300+50.8% |
| Admin fee / account holder | $394 | $8,048-95.1% | $9,460-95.8% | $6,925-94.3% |