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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 | $70,776 | $100,279-29.4% | $81,353-13.0% | $145,884-51.5% |
| Participation rate | 90.0% | 74.3%+15.7pp | 69.5%+20.5pp | 80.3%+9.7pp |
| Annual return | 10.44% | 34.49%-24.0pp | 24.82%-14.4pp | 551.85%-541.4pp |
| Employer contribution / active EE | $1,132 | $2,979-62.0% | $2,464-54.1% | $4,662-75.7% |
| Participant deferral / active EE | $4,340 | $4,611-5.9% | $3,885+11.7% | $6,690-35.1% |
| Admin fee / account holder | $4,223 | $8,206-48.5% | $5,766-26.8% | $13,392-68.5% |