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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 | $86,919-40.5% | $102,457-49.6% | $80,911-36.1% |
| Participation rate | 87.5% | 72.4%+15.1pp | 76.5%+11.0pp | 67.6%+19.9pp |
| Annual return | 12.30% | 18.90%-6.6pp | 29.41%-17.1pp | 35.63%-23.3pp |
| Employer contribution / active EE | $7,670 | $2,368+223.9% | $3,022+153.8% | $2,756+178.3% |
| Participant deferral / active EE | $6,486 | $4,119+57.5% | $5,054+28.3% | $4,297+50.9% |
| Admin fee / account holder | $394 | $8,049-95.1% | $9,451-95.8% | $6,935-94.3% |