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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 | $56,954 | $116,167-51.0% | $64,489-11.7% | $137,256-58.5% |
| Participation rate | 88.9% | 68.2%+20.7pp | 67.7%+21.2pp | 80.0%+8.9pp |
| Annual return | 15.98% | 36.55%-20.6pp | 55.03%-39.0pp | 220.34%-204.4pp |
| Employer contribution / active EE | $7,598 | $2,483+206.0% | $1,523+398.9% | $4,156+82.8% |
| Participant deferral / active EE | $11,730 | $4,215+178.3% | $2,778+322.2% | $6,407+83.1% |
| Admin fee / account holder | $2,985 | $6,188-51.8% | $4,260-29.9% | $12,270-75.7% |