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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 | $96,373 | $182,442-47.2% | $163,379-41.0% | $138,895-30.6% |
| Participation rate | 85.7% | 79.8%+5.9pp | 76.8%+8.9pp | 79.9%+5.8pp |
| Annual return | 17.63% | 72.74%-55.1pp | 63.41%-45.8pp | 145.39%-127.8pp |
| Employer contribution / active EE | $2,038 | $4,159-51.0% | $3,752-45.7% | $4,194-51.4% |
| Participant deferral / active EE | $5,954 | $6,817-12.7% | $6,282-5.2% | $6,396-6.9% |
| Admin fee / account holder | $23,604 | $10,396+127.1% | $9,818+140.4% | $12,562+87.9% |