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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 | $53,227 | $71,230-25.3% | $93,727-43.2% | $80,959-34.3% |
| Participation rate | 98.2% | 60.4%+37.8pp | 68.7%+29.5pp | 67.7%+30.5pp |
| Annual return | 14.74% | 11.26%+3.5pp | 133.83%-119.1pp | 35.67%-20.9pp |
| Employer contribution / active EE | $2,218 | $1,565+41.7% | $2,421-8.4% | $2,757-19.5% |
| Participant deferral / active EE | $3,789 | $4,037-6.2% | $4,417-14.2% | $4,300-11.9% |
| Admin fee / account holder | $936 | $6,961-86.5% | $8,292-88.7% | $6,925-86.5% |