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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 | $78,413 | $124,330-36.9% | $109,173-28.2% | $167,536-53.2% |
| Participation rate | 95.0% | 79.5%+15.5pp | 75.9%+19.1pp | 82.1%+12.9pp |
| Annual return | 17.63% | 26.04%-8.4pp | 25.75%-8.1pp | 478.82%-461.2pp |
| Employer contribution / active EE | $6,324 | $4,209+50.2% | $3,723+69.9% | $4,839+30.7% |
| Participant deferral / active EE | $4,116 | $5,256-21.7% | $4,654-11.6% | $6,342-35.1% |
| Admin fee / account holder | $2,009 | $7,974-74.8% | $6,755-70.3% | $12,315-83.7% |