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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 | $71,208-24.4% | $93,681-42.6% | $80,911-33.5% |
| Participation rate | 82.8% | 60.4%+22.4pp | 68.7%+14.1pp | 67.6%+15.2pp |
| Annual return | 12.30% | 11.27%+1.0pp | 133.47%-121.2pp | 35.63%-23.3pp |
| Employer contribution / active EE | $4,319 | $1,564+176.0% | $2,422+78.3% | $2,756+56.7% |
| Participant deferral / active EE | $4,270 | $4,035+5.8% | $4,415-3.3% | $4,297-0.6% |
| Admin fee / account holder | $3,133 | $6,951-54.9% | $8,290-62.2% | $6,935-54.8% |