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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 | $35,248 | $71,197-50.5% | $93,669-62.4% | $80,925-56.4% |
| Participation rate | 86.7% | 60.4%+26.3pp | 68.7%+17.9pp | 67.7%+19.0pp |
| Annual return | 20.01% | 11.27%+8.7pp | 133.59%-113.6pp | 35.65%-15.6pp |
| Employer contribution / active EE | $5,325 | $1,565+240.3% | $2,424+119.7% | $2,756+93.2% |
| Participant deferral / active EE | $2,618 | $4,036-35.1% | $4,416-40.7% | $4,299-39.1% |
| Admin fee / account holder | $490 | $6,959-93.0% | $8,291-94.1% | $6,940-92.9% |