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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 | $56,321 | $71,215-20.9% | $93,696-39.9% | $80,935-30.4% |
| Participation rate | 100.0% | 60.4%+39.6pp | 68.7%+31.3pp | 67.7%+32.3pp |
| Annual return | 13.78% | 11.27%+2.5pp | 133.74%-120.0pp | 35.66%-21.9pp |
| Employer contribution / active EE | $4,355 | $1,565+178.2% | $2,422+79.8% | $2,757+58.0% |
| Participant deferral / active EE | $4,458 | $4,037+10.4% | $4,417+0.9% | $4,299+3.7% |
| Admin fee / account holder | $1,835 | $6,958-73.6% | $8,287-77.9% | $6,924-73.5% |