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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 | $50,335 | $78,015-35.5% | $178,505-71.8% | $80,959-37.8% |
| Participation rate | 89.5% | 65.7%+23.8pp | 77.1%+12.4pp | 67.7%+21.8pp |
| Annual return | 17.14% | 18.10%-1.0pp | 27.16%-10.0pp | 35.67%-18.5pp |
| Employer contribution / active EE | $4,176 | $2,281+83.0% | $3,955+5.6% | $2,757+51.5% |
| Participant deferral / active EE | $8,138 | $4,406+84.7% | $6,280+29.6% | $4,300+89.2% |
| Admin fee / account holder | $6,647 | $7,160-7.2% | $10,428-36.3% | $6,925-4.0% |