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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 | $59,747 | $106,247-43.8% | $96,515-38.1% | $139,466-57.2% |
| Participation rate | 86.7% | 77.8%+8.8pp | 74.3%+12.3pp | 80.3%+6.3pp |
| Annual return | 23.42% | 38.47%-15.1pp | 35.73%-12.3pp | 373.66%-350.2pp |
| Employer contribution / active EE | $3,651 | $4,106-11.1% | $3,740-2.4% | $4,754-23.2% |
| Participant deferral / active EE | $5,227 | $5,456-4.2% | $4,880+7.1% | $6,712-22.1% |
| Admin fee / account holder | $1,862 | $7,885-76.4% | $6,735-72.4% | $11,409-83.7% |