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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 | $59,100 | $73,787-19.9% | $98,716-40.1% | $82,448-28.3% |
| Participation rate | 92.0% | 61.4%+30.6pp | 69.3%+22.7pp | 68.1%+23.9pp |
| Annual return | 16.95% | 18.57%-1.6pp | 31.81%-14.9pp | 41.64%-24.7pp |
| Employer contribution / active EE | $6,173 | $1,511+308.5% | $2,279+170.9% | $2,551+142.0% |
| Participant deferral / active EE | $3,462 | $3,081+12.4% | $4,048-14.5% | $4,139-16.4% |
| Admin fee / account holder | $1,421 | $6,500-78.1% | $8,703-83.7% | $7,234-80.4% |