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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 | $45,839 | $77,962-41.2% | $178,540-74.3% | $80,935-43.4% |
| Participation rate | 93.5% | 65.7%+27.8pp | 77.1%+16.4pp | 67.7%+25.8pp |
| Annual return | 16.61% | 18.10%-1.5pp | 27.15%-10.5pp | 35.66%-19.1pp |
| Employer contribution / active EE | $9,237 | $2,280+305.1% | $3,953+133.7% | $2,757+235.1% |
| Participant deferral / active EE | $10,835 | $4,404+146.0% | $6,281+72.5% | $4,299+152.0% |
| Admin fee / account holder | $3,640 | $7,156-49.1% | $10,424-65.1% | $6,924-47.4% |