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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 | $69,338 | $86,288-19.6% | $111,306-37.7% | $85,851-19.2% |
| Participation rate | 89.7% | 73.3%+16.4pp | 77.3%+12.4pp | 69.3%+20.4pp |
| Annual return | 12.79% | 19.99%-7.2pp | 54.67%-41.9pp | 318.63%-305.8pp |
| Employer contribution / active EE | $1,154 | $2,044-43.5% | $2,732-57.8% | $2,565-55.0% |
| Participant deferral / active EE | $2,791 | $3,641-23.3% | $4,488-37.8% | $3,952-29.4% |
| Admin fee / account holder | $372 | $8,189-95.5% | $7,966-95.3% | $6,261-94.1% |