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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 | $68,508 | $106,267-35.5% | $96,520-29.0% | $139,456-50.9% |
| Participation rate | 87.5% | 77.8%+9.7pp | 74.3%+13.2pp | 80.3%+7.2pp |
| Annual return | 18.51% | 38.45%-19.9pp | 35.72%-17.2pp | 373.45%-354.9pp |
| Employer contribution / active EE | $2,654 | $4,105-35.3% | $3,739-29.0% | $4,753-44.2% |
| Participant deferral / active EE | $5,298 | $5,454-2.9% | $4,879+8.6% | $6,711-21.1% |
| Admin fee / account holder | $3,789 | $7,882-51.9% | $6,733-43.7% | $11,407-66.8% |