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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 | $56,826 | $126,661-55.1% | $113,397-49.9% | $138,895-59.1% |
| Participation rate | 92.3% | 79.4%+12.9pp | 76.5%+15.8pp | 79.9%+12.4pp |
| Annual return | 19.90% | 25.05%-5.2pp | 23.20%-3.3pp | 145.39%-125.5pp |
| Employer contribution / active EE | $5,750 | $3,456+66.4% | $2,977+93.1% | $4,194+37.1% |
| Participant deferral / active EE | $10,508 | $5,693+84.6% | $5,076+107.0% | $6,396+64.3% |
| Admin fee / account holder | $1,453 | $14,549-90.0% | $11,957-87.8% | $12,562-88.4% |