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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 | $97,389 | $110,410-11.8% | $102,437-4.9% | $145,897-33.2% |
| Participation rate | 88.9% | 77.9%+11.0pp | 74.5%+14.4pp | 80.3%+8.6pp |
| Annual return | 10.58% | 24.85%-14.3pp | 24.95%-14.4pp | 552.29%-541.7pp |
| Employer contribution / active EE | $1,756 | $4,217-58.4% | $3,871-54.6% | $4,663-62.3% |
| Participant deferral / active EE | $6,361 | $5,622+13.2% | $5,060+25.7% | $6,689-4.9% |
| Admin fee / account holder | $9,353 | $9,745-4.0% | $8,388+11.5% | $13,390-30.1% |