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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 | $103,574 | $124,330-16.7% | $109,173-5.1% | $167,536-38.2% |
| Participation rate | 91.7% | 79.5%+12.2pp | 75.9%+15.8pp | 82.1%+9.6pp |
| Annual return | 13.47% | 26.04%-12.6pp | 25.75%-12.3pp | 478.82%-465.3pp |
| Employer contribution / active EE | $6,748 | $4,209+60.3% | $3,723+81.3% | $4,839+39.5% |
| Participant deferral / active EE | $6,951 | $5,256+32.2% | $4,654+49.4% | $6,342+9.6% |
| Admin fee / account holder | $783 | $7,974-90.2% | $6,755-88.4% | $12,315-93.6% |