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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 | $32,647 | $71,230-54.2% | $93,727-65.2% | $80,959-59.7% |
| Participation rate | 89.5% | 60.4%+29.1pp | 68.7%+20.8pp | 67.7%+21.8pp |
| Annual return | 14.00% | 11.26%+2.7pp | 133.83%-119.8pp | 35.67%-21.7pp |
| Employer contribution / active EE | $2,493 | $1,565+59.2% | $2,421+2.9% | $2,757-9.6% |
| Participant deferral / active EE | $5,710 | $4,037+41.4% | $4,417+29.3% | $4,300+32.8% |
| Admin fee / account holder | $1,218 | $6,961-82.5% | $8,292-85.3% | $6,925-82.4% |