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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 | $48,635 | $81,457-40.3% | $103,378-53.0% | $80,911-39.9% |
| Participation rate | 97.4% | 66.8%+30.5pp | 74.5%+22.9pp | 67.6%+29.7pp |
| Annual return | 10.88% | 25.58%-14.7pp | 24.91%-14.0pp | 35.63%-24.7pp |
| Employer contribution / active EE | $5,181 | $3,107+66.7% | $3,870+33.9% | $2,756+88.0% |
| Participant deferral / active EE | $6,667 | $3,871+72.2% | $5,058+31.8% | $4,297+55.1% |
| Admin fee / account holder | $3,583 | $6,717-46.7% | $8,401-57.3% | $6,935-48.3% |