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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 | $52,705 | $71,230-26.0% | $93,727-43.8% | $80,959-34.9% |
| Participation rate | 94.7% | 60.4%+34.3pp | 68.7%+26.0pp | 67.7%+27.1pp |
| Annual return | 14.86% | 11.26%+3.6pp | 133.83%-119.0pp | 35.67%-20.8pp |
| Employer contribution / active EE | $1,392 | $1,565-11.1% | $2,421-42.5% | $2,757-49.5% |
| Participant deferral / active EE | $3,409 | $4,037-15.6% | $4,417-22.8% | $4,300-20.7% |
| Admin fee / account holder | $2,740 | $6,961-60.6% | $8,292-67.0% | $6,925-60.4% |