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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 | $90,848 | $127,790-28.9% | $106,555-14.7% | $167,536-45.8% |
| Participation rate | 90.0% | 78.3%+11.7pp | 76.1%+13.9pp | 82.1%+7.9pp |
| Annual return | 15.75% | 33.88%-18.1pp | 26.80%-11.1pp | 478.82%-463.1pp |
| Employer contribution / active EE | $1,578 | $3,428-54.0% | $2,819-44.0% | $4,839-67.4% |
| Participant deferral / active EE | $5,277 | $5,088+3.7% | $4,399+20.0% | $6,342-16.8% |
| Admin fee / account holder | $673 | $11,229-94.0% | $7,408-90.9% | $12,315-94.5% |