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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 | $86,337 | $104,251-17.2% | $91,004-5.1% | $147,586-41.5% |
| Participation rate | 95.0% | 78.2%+16.8pp | 75.6%+19.4pp | 82.8%+12.2pp |
| Annual return | 15.19% | 27.06%-11.9pp | 4.60%+10.6pp | 578.59%-563.4pp |
| Employer contribution / active EE | $2,356 | $3,116-24.4% | $2,456-4.0% | $4,876-51.7% |
| Participant deferral / active EE | $4,841 | $4,195+15.4% | $3,548+36.5% | $5,439-11.0% |
| Admin fee / account holder | $3,161 | $8,948-64.7% | $5,417-41.6% | $10,886-71.0% |