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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 | $67,789 | $71,215-4.8% | $93,696-27.7% | $80,935-16.2% |
| Participation rate | 90.3% | 60.4%+29.9pp | 68.7%+21.6pp | 67.7%+22.7pp |
| Annual return | 13.43% | 11.27%+2.2pp | 133.74%-120.3pp | 35.66%-22.2pp |
| Employer contribution / active EE | $3,590 | $1,565+129.4% | $2,422+48.2% | $2,757+30.2% |
| Participant deferral / active EE | $4,187 | $4,037+3.7% | $4,417-5.2% | $4,299-2.6% |
| Admin fee / account holder | $328 | $6,958-95.3% | $8,287-96.0% | $6,924-95.3% |