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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 | $64,456 | $95,404-32.4% | $113,397-43.2% | $82,637-22.0% |
| Participation rate | 90.7% | 72.8%+17.9pp | 76.5%+14.2pp | 68.1%+22.6pp |
| Annual return | 18.30% | 19.08%-0.8pp | 23.20%-4.9pp | 53.51%-35.2pp |
| Employer contribution / active EE | $6,858 | $2,307+197.3% | $2,977+130.3% | $2,552+168.7% |
| Participant deferral / active EE | $6,601 | $4,220+56.4% | $5,076+30.0% | $4,126+60.0% |
| Admin fee / account holder | $1,232 | $9,168-86.6% | $11,957-89.7% | $7,339-83.2% |