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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 | $84,955 | $115,903-26.7% | $100,528-15.5% | $158,966-46.6% |
| Participation rate | 85.7% | 81.6%+4.1pp | 79.4%+6.3pp | 82.0%+3.8pp |
| Annual return | 15.81% | 34.80%-19.0pp | 30.90%-15.1pp | 302.95%-287.1pp |
| Employer contribution / active EE | $2,784 | $4,105-32.2% | $3,419-18.6% | $4,762-41.5% |
| Participant deferral / active EE | $7,111 | $6,677+6.5% | $6,271+13.4% | $5,983+18.8% |
| Admin fee / account holder | $445 | $11,000-96.0% | $8,084-94.5% | $11,250-96.0% |