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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 | $111,947 | $176,794-36.7% | $146,647-23.7% | $167,553-33.2% |
| Participation rate | 95.2% | 83.6%+11.6pp | 80.1%+15.2pp | 82.1%+13.1pp |
| Annual return | 12.78% | 24.04%-11.3pp | 22.75%-10.0pp | 478.89%-466.1pp |
| Employer contribution / active EE | $1,682 | $5,161-67.4% | $4,137-59.3% | $4,840-65.2% |
| Participant deferral / active EE | $4,599 | $6,440-28.6% | $5,506-16.5% | $6,343-27.5% |
| Admin fee / account holder | $1,526 | $13,262-88.5% | $10,281-85.2% | $12,316-87.6% |