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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 | $54,737 | $71,230-23.2% | $93,727-41.6% | $80,959-32.4% |
| Participation rate | 82.9% | 60.4%+22.5pp | 68.7%+14.1pp | 67.7%+15.2pp |
| Annual return | 11.02% | 11.26%-0.2pp | 133.83%-122.8pp | 35.67%-24.6pp |
| Employer contribution / active EE | $2,020 | $1,565+29.1% | $2,421-16.6% | $2,757-26.7% |
| Participant deferral / active EE | $3,629 | $4,037-10.1% | $4,417-17.8% | $4,300-15.6% |
| Admin fee / account holder | $2,159 | $6,961-69.0% | $8,292-74.0% | $6,925-68.8% |