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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 | $64,869 | $78,672-17.5% | $109,163-40.6% | $85,856-24.4% |
| Participation rate | 76.9% | 68.3%+8.6pp | 75.9%+1.0pp | 69.3%+7.6pp |
| Annual return | 12.47% | 25.09%-12.6pp | 25.75%-13.3pp | 318.58%-306.1pp |
| Employer contribution / active EE | $1,544 | $2,734-43.5% | $3,723-58.5% | $2,565-39.8% |
| Participant deferral / active EE | $3,288 | $3,467-5.2% | $4,654-29.3% | $3,952-16.8% |
| Admin fee / account holder | $1,039 | $5,470-81.0% | $6,754-84.6% | $6,261-83.4% |