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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 | $31,832 | $81,457-60.9% | $103,378-69.2% | $80,911-60.7% |
| Participation rate | 93.5% | 66.8%+26.7pp | 74.5%+19.0pp | 67.6%+25.9pp |
| Annual return | 14.14% | 25.58%-11.4pp | 24.91%-10.8pp | 35.63%-21.5pp |
| Employer contribution / active EE | $4,411 | $3,107+42.0% | $3,870+14.0% | $2,756+60.1% |
| Participant deferral / active EE | $6,042 | $3,871+56.1% | $5,058+19.5% | $4,297+40.6% |
| Admin fee / account holder | $5,018 | $6,717-25.3% | $8,401-40.3% | $6,935-27.6% |