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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 | $63,941 | $71,197-10.2% | $93,669-31.7% | $80,925-21.0% |
| Participation rate | 94.5% | 60.4%+34.2pp | 68.7%+25.8pp | 67.7%+26.9pp |
| Annual return | 12.34% | 11.27%+1.1pp | 133.59%-121.3pp | 35.65%-23.3pp |
| Employer contribution / active EE | $5,625 | $1,565+259.5% | $2,424+132.1% | $2,756+104.1% |
| Participant deferral / active EE | $4,933 | $4,036+22.2% | $4,416+11.7% | $4,299+14.7% |
| Admin fee / account holder | $1,746 | $6,959-74.9% | $8,291-78.9% | $6,940-74.8% |