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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 | $41,817 | $71,197-41.3% | $93,669-55.4% | $80,925-48.3% |
| Participation rate | 89.3% | 60.4%+28.9pp | 68.7%+20.6pp | 67.7%+21.6pp |
| Annual return | 10.41% | 11.27%-0.9pp | 133.59%-123.2pp | 35.65%-25.2pp |
| Employer contribution / active EE | $4,099 | $1,565+161.9% | $2,424+69.1% | $2,756+48.7% |
| Participant deferral / active EE | $2,829 | $4,036-29.9% | $4,416-35.9% | $4,299-34.2% |
| Admin fee / account holder | $648 | $6,959-90.7% | $8,291-92.2% | $6,940-90.7% |