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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 | $81,476-43.2% | $102,383-54.8% | $80,925-42.8% |
| Participation rate | 88.1% | 66.8%+21.2pp | 74.5%+13.6pp | 67.7%+20.4pp |
| Annual return | 11.11% | 25.59%-14.5pp | 24.94%-13.8pp | 35.65%-24.5pp |
| Employer contribution / active EE | $4,504 | $3,105+45.1% | $3,870+16.4% | $2,756+63.4% |
| Participant deferral / active EE | $8,338 | $3,871+115.4% | $5,060+64.8% | $4,299+94.0% |
| Admin fee / account holder | $5,851 | $6,717-12.9% | $8,391-30.3% | $6,940-15.7% |