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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 | $51,108 | $76,551-33.2% | $123,894-58.7% | $62,881-18.7% |
| Participation rate | 90.8% | 73.0%+17.8pp | 81.4%+9.4pp | 69.3%+21.5pp |
| Annual return | 7.51% | 18.68%-11.2pp | 47.52%-40.0pp | 20.14%-12.6pp |
| Employer contribution / active EE | $1,641 | $2,882-43.1% | $4,617-64.5% | $2,281-28.1% |
| Participant deferral / active EE | $4,552 | $4,840-5.9% | $5,984-23.9% | $3,203+42.1% |
| Admin fee / account holder | $8,018 | $4,826+66.1% | $8,357-4.1% | $4,296+86.6% |