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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 | $55,237 | $71,215-22.4% | $93,696-41.0% | $80,935-31.8% |
| Participation rate | 75.7% | 60.4%+15.3pp | 68.7%+7.0pp | 67.7%+8.0pp |
| Annual return | 13.91% | 11.27%+2.6pp | 133.74%-119.8pp | 35.66%-21.7pp |
| Employer contribution / active EE | $2,773 | $1,565+77.2% | $2,422+14.5% | $2,757+0.6% |
| Participant deferral / active EE | $5,534 | $4,037+37.1% | $4,417+25.3% | $4,299+28.7% |
| Admin fee / account holder | $391 | $6,958-94.4% | $8,287-95.3% | $6,924-94.4% |