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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 | $90,221 | $110,410-18.3% | $102,437-11.9% | $145,897-38.2% |
| Participation rate | 95.2% | 77.9%+17.3pp | 74.5%+20.7pp | 80.3%+14.9pp |
| Annual return | 12.72% | 24.85%-12.1pp | 24.95%-12.2pp | 552.29%-539.6pp |
| Employer contribution / active EE | $3,509 | $4,217-16.8% | $3,871-9.4% | $4,663-24.7% |
| Participant deferral / active EE | $8,709 | $5,622+54.9% | $5,060+72.1% | $6,689+30.2% |
| Admin fee / account holder | $2,440 | $9,745-75.0% | $8,388-70.9% | $13,390-81.8% |