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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 | $94,771 | $212,777-55.5% | $173,703-45.4% | $198,609-52.3% |
| Participation rate | 94.4% | 81.1%+13.4pp | 75.9%+18.5pp | 82.4%+12.1pp |
| Annual return | 16.02% | 18.82%-2.8pp | 17.46%-1.4pp | 202.70%-186.7pp |
| Employer contribution / active EE | $2,416 | $5,214-53.7% | $4,288-43.7% | $5,055-52.2% |
| Participant deferral / active EE | $6,261 | $5,697+9.9% | $4,854+29.0% | $6,977-10.3% |
| Admin fee / account holder | $2,162 | $19,536-88.9% | $15,562-86.1% | $19,030-88.6% |