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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 | $87,193 | $112,729-22.7% | $98,716-11.7% | $137,256-36.5% |
| Participation rate | 95.7% | 74.2%+21.4pp | 69.3%+26.4pp | 80.0%+15.7pp |
| Annual return | 16.25% | 38.48%-22.2pp | 31.81%-15.6pp | 220.34%-204.1pp |
| Employer contribution / active EE | $1,905 | $2,725-30.1% | $2,279-16.4% | $4,156-54.2% |
| Participant deferral / active EE | $4,787 | $4,640+3.2% | $4,048+18.3% | $6,407-25.3% |
| Admin fee / account holder | $1,410 | $10,129-86.1% | $8,703-83.8% | $12,270-88.5% |