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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 | $69,437 | $211,239-67.1% | $178,528-61.1% | $145,877-52.4% |
| Participation rate | 88.9% | 80.8%+8.1pp | 77.1%+11.8pp | 80.3%+8.6pp |
| Annual return | 16.29% | 30.22%-13.9pp | 27.11%-10.8pp | 551.28%-535.0pp |
| Employer contribution / active EE | $1,759 | $4,570-61.5% | $3,950-55.5% | $4,663-62.3% |
| Participant deferral / active EE | $6,410 | $6,963-7.9% | $6,278+2.1% | $6,691-4.2% |
| Admin fee / account holder | $10,223 | $12,095-15.5% | $10,419-1.9% | $13,402-23.7% |