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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 | $37,289 | $71,197-47.6% | $93,669-60.2% | $80,925-53.9% |
| Participation rate | 76.5% | 60.4%+16.1pp | 68.7%+7.7pp | 67.7%+8.8pp |
| Annual return | 19.00% | 11.27%+7.7pp | 133.59%-114.6pp | 35.65%-16.7pp |
| Employer contribution / active EE | $2,539 | $1,565+62.3% | $2,424+4.8% | $2,756-7.9% |
| Participant deferral / active EE | $3,312 | $4,036-17.9% | $4,416-25.0% | $4,299-23.0% |
| Admin fee / account holder | $3,601 | $6,959-48.3% | $8,291-56.6% | $6,940-48.1% |