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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 | $68,859 | $81,487-15.5% | $102,412-32.8% | $80,935-14.9% |
| Participation rate | 84.8% | 66.8%+17.9pp | 74.5%+10.3pp | 67.7%+17.1pp |
| Annual return | 11.55% | 25.60%-14.0pp | 24.94%-13.4pp | 35.66%-24.1pp |
| Employer contribution / active EE | $9,831 | $3,103+216.8% | $3,870+154.0% | $2,757+256.6% |
| Participant deferral / active EE | $4,146 | $3,871+7.1% | $5,060-18.1% | $4,299-3.6% |
| Admin fee / account holder | $7,332 | $6,717+9.2% | $8,388-12.6% | $6,924+5.9% |