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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 | $44,579 | $71,208-37.4% | $93,681-52.4% | $80,911-44.9% |
| Participation rate | 80.9% | 60.4%+20.5pp | 68.7%+12.2pp | 67.6%+13.2pp |
| Annual return | 15.15% | 11.27%+3.9pp | 133.47%-118.3pp | 35.63%-20.5pp |
| Employer contribution / active EE | $1,849 | $1,564+18.2% | $2,422-23.7% | $2,756-32.9% |
| Participant deferral / active EE | $4,787 | $4,035+18.6% | $4,415+8.4% | $4,297+11.4% |
| Admin fee / account holder | $889 | $6,951-87.2% | $8,290-89.3% | $6,935-87.2% |