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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 | $54,061 | $73,787-26.7% | $98,716-45.2% | $82,448-34.4% |
| Participation rate | 90.5% | 61.4%+29.1pp | 69.3%+21.2pp | 68.1%+22.4pp |
| Annual return | 20.61% | 18.57%+2.0pp | 31.81%-11.2pp | 41.64%-21.0pp |
| Employer contribution / active EE | $3,702 | $1,511+144.9% | $2,279+62.5% | $2,551+45.1% |
| Participant deferral / active EE | $6,609 | $3,081+114.5% | $4,048+63.3% | $4,139+59.7% |
| Admin fee / account holder | $2,492 | $6,500-61.7% | $8,703-71.4% | $7,234-65.6% |