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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 | $75,782 | $124,351-39.1% | $109,188-30.6% | $167,553-54.8% |
| Participation rate | 91.7% | 79.4%+12.2pp | 75.9%+15.8pp | 82.1%+9.6pp |
| Annual return | 15.93% | 26.04%-10.1pp | 25.76%-9.8pp | 478.89%-463.0pp |
| Employer contribution / active EE | $1,628 | $4,210-61.3% | $3,723-56.3% | $4,840-66.4% |
| Participant deferral / active EE | $9,162 | $5,257+74.3% | $4,654+96.9% | $6,343+44.4% |
| Admin fee / account holder | $624 | $7,975-92.2% | $6,755-90.8% | $12,316-94.9% |