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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 | $56,264 | $71,230-21.0% | $93,727-40.0% | $80,959-30.5% |
| Participation rate | 92.3% | 60.4%+31.9pp | 68.7%+23.6pp | 67.7%+24.6pp |
| Annual return | 13.43% | 11.26%+2.2pp | 133.83%-120.4pp | 35.67%-22.2pp |
| Employer contribution / active EE | $2,297 | $1,565+46.8% | $2,421-5.1% | $2,757-16.7% |
| Participant deferral / active EE | $5,745 | $4,037+42.3% | $4,417+30.1% | $4,300+33.6% |
| Admin fee / account holder | $581 | $6,961-91.7% | $8,292-93.0% | $6,925-91.6% |