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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 | $17,342 | $99,345-82.5% | $84,753-79.5% | $273,972-93.7% |
| Participation rate | 92.9% | 80.7%+12.2pp | 76.6%+16.3pp | 83.0%+9.8pp |
| Annual return | 8.85% | 22.93%-14.1pp | 22.78%-13.9pp | 41.46%-32.6pp |
| Employer contribution / active EE | $8,561 | $4,214+103.2% | $3,574+139.5% | $4,869+75.8% |
| Participant deferral / active EE | $2,424 | $4,270-43.2% | $3,712-34.7% | $5,287-54.2% |
| Admin fee / account holder | $8,489 | $6,645+27.7% | $5,333+59.2% | $10,133-16.2% |