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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 | $54,328 | $124,330-56.3% | $109,173-50.2% | $167,536-67.6% |
| Participation rate | 87.5% | 79.5%+8.0pp | 75.9%+11.6pp | 82.1%+5.4pp |
| Annual return | 12.63% | 26.04%-13.4pp | 25.75%-13.1pp | 478.82%-466.2pp |
| Employer contribution / active EE | $3,194 | $4,209-24.1% | $3,723-14.2% | $4,839-34.0% |
| Participant deferral / active EE | $6,653 | $5,256+26.6% | $4,654+43.0% | $6,342+4.9% |
| Admin fee / account holder | $6,452 | $7,974-19.1% | $6,755-4.5% | $12,315-47.6% |