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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 | $46,259 | $81,504-43.2% | $102,437-54.8% | $80,959-42.9% |
| Participation rate | 88.1% | 66.9%+21.2pp | 74.5%+13.6pp | 67.7%+20.4pp |
| Annual return | 11.11% | 25.60%-14.5pp | 24.95%-13.8pp | 35.67%-24.6pp |
| Employer contribution / active EE | $4,504 | $3,104+45.1% | $3,871+16.4% | $2,757+63.4% |
| Participant deferral / active EE | $8,338 | $3,871+115.4% | $5,060+64.8% | $4,300+93.9% |
| Admin fee / account holder | $5,851 | $6,719-12.9% | $8,388-30.2% | $6,925-15.5% |