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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 | $77,824 | $106,974-27.3% | $90,796-14.3% | $138,895-44.0% |
| Participation rate | 83.3% | 74.9%+8.5pp | 69.5%+13.8pp | 79.9%+3.4pp |
| Annual return | 13.00% | 20.10%-7.1pp | 19.29%-6.3pp | 145.39%-132.4pp |
| Employer contribution / active EE | $1,019 | $2,609-61.0% | $2,294-55.6% | $4,194-75.7% |
| Participant deferral / active EE | $3,672 | $4,455-17.6% | $3,822-3.9% | $6,396-42.6% |
| Admin fee / account holder | $783 | $8,626-90.9% | $7,024-88.9% | $12,562-93.8% |