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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 | $83,046 | $211,239-60.7% | $178,528-53.5% | $145,877-43.1% |
| Participation rate | 91.7% | 80.8%+10.9pp | 77.1%+14.6pp | 80.3%+11.4pp |
| Annual return | 11.54% | 30.22%-18.7pp | 27.11%-15.6pp | 551.28%-539.7pp |
| Employer contribution / active EE | $2,352 | $4,570-48.5% | $3,950-40.5% | $4,663-49.6% |
| Participant deferral / active EE | $10,165 | $6,963+46.0% | $6,278+61.9% | $6,691+51.9% |
| Admin fee / account holder | $6,942 | $12,095-42.6% | $10,419-33.4% | $13,402-48.2% |