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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 | $161,352-40.2% | $134,172-28.1% | $137,256-29.7% |
| Participation rate | 85.0% | 78.3%+6.7pp | 72.5%+12.5pp | 80.0%+5.0pp |
| Annual return | 14.14% | 28.72%-14.6pp | 25.30%-11.2pp | 220.34%-206.2pp |
| Employer contribution / active EE | $1,679 | $4,099-59.0% | $3,420-50.9% | $4,156-59.6% |
| Participant deferral / active EE | $3,820 | $5,552-31.2% | $4,690-18.6% | $6,407-40.4% |
| Admin fee / account holder | $1,871 | $15,028-87.5% | $12,016-84.4% | $12,270-84.7% |