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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 | $71,197-31.9% | $93,669-48.2% | $80,925-40.1% |
| Participation rate | 78.6% | 60.4%+18.2pp | 68.7%+9.8pp | 67.7%+10.9pp |
| Annual return | 13.67% | 11.27%+2.4pp | 133.59%-119.9pp | 35.65%-22.0pp |
| Employer contribution / active EE | $4,089 | $1,565+161.3% | $2,424+68.7% | $2,756+48.3% |
| Participant deferral / active EE | $5,728 | $4,036+41.9% | $4,416+29.7% | $4,299+33.3% |
| Admin fee / account holder | $5,530 | $6,959-20.5% | $8,291-33.3% | $6,940-20.3% |