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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 | $74,535-27.5% | $100,712-46.3% | $82,637-34.6% |
| Participation rate | 90.5% | 61.2%+29.3pp | 69.3%+21.2pp | 68.1%+22.4pp |
| Annual return | 20.61% | 18.92%+1.7pp | 33.27%-12.7pp | 53.51%-32.9pp |
| Employer contribution / active EE | $3,702 | $1,503+146.3% | $2,313+60.1% | $2,552+45.0% |
| Participant deferral / active EE | $6,609 | $3,074+115.0% | $4,085+61.8% | $4,126+60.2% |
| Admin fee / account holder | $2,492 | $6,576-62.1% | $9,256-73.1% | $7,339-66.0% |