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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 | $71,208-4.8% | $93,681-27.6% | $80,911-16.2% |
| Participation rate | 90.3% | 60.4%+29.9pp | 68.7%+21.6pp | 67.6%+22.7pp |
| Annual return | 13.43% | 11.27%+2.2pp | 133.47%-120.0pp | 35.63%-22.2pp |
| Employer contribution / active EE | $3,590 | $1,564+129.5% | $2,422+48.2% | $2,756+30.3% |
| Participant deferral / active EE | $4,187 | $4,035+3.8% | $4,415-5.2% | $4,297-2.6% |
| Admin fee / account holder | $328 | $6,951-95.3% | $8,290-96.0% | $6,935-95.3% |