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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 | $49,112 | $71,230-31.1% | $93,727-47.6% | $80,959-39.3% |
| Participation rate | 75.0% | 60.4%+14.6pp | 68.7%+6.3pp | 67.7%+7.3pp |
| Annual return | 13.15% | 11.26%+1.9pp | 133.83%-120.7pp | 35.67%-22.5pp |
| Employer contribution / active EE | $3,011 | $1,565+92.4% | $2,421+24.4% | $2,757+9.2% |
| Participant deferral / active EE | $4,934 | $4,037+22.2% | $4,417+11.7% | $4,300+14.7% |
| Admin fee / account holder | $3,508 | $6,961-49.6% | $8,292-57.7% | $6,925-49.3% |