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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 | $38,855 | $87,132-55.4% | $105,624-63.2% | $80,959-52.0% |
| Participation rate | 88.9% | 70.4%+18.5pp | 75.3%+13.6pp | 67.7%+21.2pp |
| Annual return | 11.26% | 17.03%-5.8pp | 116.20%-104.9pp | 35.67%-24.4pp |
| Employer contribution / active EE | $1,387 | $2,397-42.1% | $3,168-56.2% | $2,757-49.7% |
| Participant deferral / active EE | $4,060 | $3,985+1.9% | $5,013-19.0% | $4,300-5.6% |
| Admin fee / account holder | $4,790 | $8,449-43.3% | $10,961-56.3% | $6,925-30.8% |