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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 | $48,500 | $71,230-31.9% | $93,727-48.3% | $80,959-40.1% |
| Participation rate | 78.6% | 60.4%+18.2pp | 68.7%+9.9pp | 67.7%+10.9pp |
| Annual return | 13.67% | 11.26%+2.4pp | 133.83%-120.2pp | 35.67%-22.0pp |
| Employer contribution / active EE | $4,089 | $1,565+161.2% | $2,421+68.9% | $2,757+48.3% |
| Participant deferral / active EE | $5,728 | $4,037+41.9% | $4,417+29.7% | $4,300+33.2% |
| Admin fee / account holder | $5,530 | $6,961-20.6% | $8,292-33.3% | $6,925-20.1% |