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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 | $53,812 | $71,230-24.5% | $93,727-42.6% | $80,959-33.5% |
| Participation rate | 82.8% | 60.4%+22.4pp | 68.7%+14.1pp | 67.7%+15.1pp |
| Annual return | 12.30% | 11.26%+1.0pp | 133.83%-121.5pp | 35.67%-23.4pp |
| Employer contribution / active EE | $4,319 | $1,565+175.9% | $2,421+78.4% | $2,757+56.6% |
| Participant deferral / active EE | $4,270 | $4,037+5.8% | $4,417-3.3% | $4,300-0.7% |
| Admin fee / account holder | $3,133 | $6,961-55.0% | $8,292-62.2% | $6,925-54.8% |