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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 | $70,594 | $78,682-10.3% | $109,188-35.3% | $85,851-17.8% |
| Participation rate | 93.9% | 68.3%+25.6pp | 75.9%+18.0pp | 69.3%+24.6pp |
| Annual return | 11.96% | 25.09%-13.1pp | 25.76%-13.8pp | 318.63%-306.7pp |
| Employer contribution / active EE | $1,787 | $2,734-34.6% | $3,723-52.0% | $2,565-30.3% |
| Participant deferral / active EE | $2,933 | $3,468-15.4% | $4,654-37.0% | $3,952-25.8% |
| Admin fee / account holder | $7,847 | $5,470+43.5% | $6,755+16.2% | $6,261+25.3% |