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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 | $49,331 | $71,215-30.7% | $93,696-47.4% | $80,935-39.0% |
| Participation rate | 75.0% | 60.4%+14.6pp | 68.7%+6.3pp | 67.7%+7.3pp |
| Annual return | 11.28% | 11.27%0pp | 133.74%-122.5pp | 35.66%-24.4pp |
| Employer contribution / active EE | $1,832 | $1,565+17.1% | $2,422-24.4% | $2,757-33.5% |
| Participant deferral / active EE | $2,649 | $4,037-34.4% | $4,417-40.0% | $4,299-38.4% |
| Admin fee / account holder | $5,626 | $6,958-19.1% | $8,287-32.1% | $6,924-18.8% |