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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 | $91,866 | $117,433-21.8% | $99,475-7.6% | $152,897-39.9% |
| Participation rate | 86.4% | 77.5%+8.8pp | 73.8%+12.5pp | 82.5%+3.9pp |
| Annual return | 20.24% | 31.87%-11.6pp | 30.72%-10.5pp | 345.43%-325.2pp |
| Employer contribution / active EE | $1,859 | $3,013-38.3% | $2,540-26.8% | $4,764-61.0% |
| Participant deferral / active EE | $4,936 | $4,086+20.8% | $3,619+36.4% | $5,851-15.6% |
| Admin fee / account holder | $577 | $7,634-92.4% | $6,252-90.8% | $11,599-95.0% |