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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 | $57,454 | $96,558-40.5% | $80,977-29.0% | $273,972-79.0% |
| Participation rate | 88.2% | 79.1%+9.2pp | 75.8%+12.4pp | 83.0%+5.2pp |
| Annual return | 9.87% | 15.14%-5.3pp | 17.11%-7.2pp | 41.46%-31.6pp |
| Employer contribution / active EE | $11,030 | $4,869+126.5% | $3,715+196.9% | $4,869+126.6% |
| Participant deferral / active EE | $4,527 | $6,598-31.4% | $5,696-20.5% | $5,287-14.4% |
| Admin fee / account holder | $3,344 | $7,493-55.4% | $5,517-39.4% | $10,133-67.0% |