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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 | $55,605 | $110,212-49.5% | $96,534-42.4% | $139,466-60.1% |
| Participation rate | 91.7% | 78.1%+13.5pp | 76.0%+15.7pp | 80.3%+11.3pp |
| Annual return | 13.97% | 26.42%-12.4pp | 25.88%-11.9pp | 373.66%-359.7pp |
| Employer contribution / active EE | $805 | $3,620-77.8% | $2,965-72.8% | $4,754-83.1% |
| Participant deferral / active EE | $4,979 | $5,547-10.2% | $4,851+2.6% | $6,712-25.8% |
| Admin fee / account holder | $6,255 | $11,599-46.1% | $8,253-24.2% | $11,409-45.2% |