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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 | $61,853 | $112,729-45.1% | $98,716-37.3% | $137,256-54.9% |
| Participation rate | 92.3% | 74.2%+18.1pp | 69.3%+23.0pp | 80.0%+12.3pp |
| Annual return | 15.59% | 38.48%-22.9pp | 31.81%-16.2pp | 220.34%-204.7pp |
| Employer contribution / active EE | $2,036 | $2,725-25.3% | $2,279-10.6% | $4,156-51.0% |
| Participant deferral / active EE | $7,152 | $4,640+54.1% | $4,048+76.7% | $6,407+11.6% |
| Admin fee / account holder | $3,589 | $10,129-64.6% | $8,703-58.8% | $12,270-70.8% |