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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 | $96,523 | $177,156-45.5% | $147,027-34.4% | $154,746-37.6% |
| Participation rate | 85.0% | 79.4%+5.6pp | 73.7%+11.3pp | 80.7%+4.3pp |
| Annual return | 14.14% | 21.94%-7.8pp | 20.23%-6.1pp | 172.34%-158.2pp |
| Employer contribution / active EE | $1,679 | $4,336-61.3% | $3,626-53.7% | $4,379-61.7% |
| Participant deferral / active EE | $3,820 | $5,797-34.1% | $4,933-22.6% | $6,730-43.2% |
| Admin fee / account holder | $1,871 | $14,904-87.4% | $12,223-84.7% | $14,365-87.0% |