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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 | $55,359 | $63,861-13.3% | $104,639-47.1% | $79,856-30.7% |
| Participation rate | 77.3% | 64.9%+12.4pp | 74.1%+3.2pp | 69.6%+7.6pp |
| Annual return | 22.90% | 21.30%+1.6pp | 340.67%-317.8pp | 31.71%-8.8pp |
| Employer contribution / active EE | $4,241 | $1,588+167.0% | $2,682+58.2% | $2,471+71.6% |
| Participant deferral / active EE | $5,592 | $2,693+107.6% | $3,738+49.6% | $3,741+49.5% |
| Admin fee / account holder | $3,257 | $4,185-22.2% | $6,465-49.6% | $5,306-38.6% |