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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 | $48,969 | $71,197-31.2% | $93,669-47.7% | $80,925-39.5% |
| Participation rate | 83.7% | 60.4%+23.3pp | 68.7%+14.9pp | 67.7%+16.0pp |
| Annual return | 11.80% | 11.27%+0.5pp | 133.59%-121.8pp | 35.65%-23.8pp |
| Employer contribution / active EE | $2,468 | $1,565+57.7% | $2,424+1.8% | $2,756-10.5% |
| Participant deferral / active EE | $3,353 | $4,036-16.9% | $4,416-24.1% | $4,299-22.0% |
| Admin fee / account holder | $8,026 | $6,959+15.3% | $8,291-3.2% | $6,940+15.7% |