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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 | $57,961 | $81,504-28.9% | $102,437-43.4% | $80,959-28.4% |
| Participation rate | 98.5% | 66.9%+31.6pp | 74.5%+24.0pp | 67.7%+30.8pp |
| Annual return | 13.39% | 25.60%-12.2pp | 24.95%-11.6pp | 35.67%-22.3pp |
| Employer contribution / active EE | $3,955 | $3,104+27.4% | $3,871+2.2% | $2,757+43.4% |
| Participant deferral / active EE | $7,755 | $3,871+100.4% | $5,060+53.3% | $4,300+80.3% |
| Admin fee / account holder | $4,737 | $6,719-29.5% | $8,388-43.5% | $6,925-31.6% |