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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 | $55,724 | $86,294-35.4% | $111,303-49.9% | $85,856-35.1% |
| Participation rate | 88.9% | 73.3%+15.6pp | 77.3%+11.6pp | 69.3%+19.6pp |
| Annual return | 11.33% | 19.99%-8.7pp | 54.66%-43.3pp | 318.58%-307.3pp |
| Employer contribution / active EE | $2,887 | $2,043+41.3% | $2,731+5.7% | $2,565+12.5% |
| Participant deferral / active EE | $4,574 | $3,641+25.6% | $4,487+1.9% | $3,952+15.7% |
| Admin fee / account holder | $434 | $8,189-94.7% | $7,966-94.6% | $6,261-93.1% |