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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 | $91,594 | $100,262-8.6% | $81,370+12.6% | $145,897-37.2% |
| Participation rate | 93.8% | 74.3%+19.5pp | 69.5%+24.2pp | 80.3%+13.4pp |
| Annual return | 11.24% | 34.52%-23.3pp | 24.85%-13.6pp | 552.29%-541.0pp |
| Employer contribution / active EE | $1,616 | $2,979-45.7% | $2,464-34.4% | $4,663-65.3% |
| Participant deferral / active EE | $3,238 | $4,612-29.8% | $3,885-16.6% | $6,689-51.6% |
| Admin fee / account holder | $1,208 | $8,163-85.2% | $5,749-79.0% | $13,390-91.0% |