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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 | $94,702 | $117,829-19.6% | $102,423-7.5% | $145,877-35.1% |
| Participation rate | 76.9% | 78.6%-1.7pp | 76.5%+0.4pp | 80.3%-3.4pp |
| Annual return | 12.10% | 31.83%-19.7pp | 29.42%-17.3pp | 551.28%-539.2pp |
| Employer contribution / active EE | $2,654 | $3,615-26.6% | $3,023-12.2% | $4,663-43.1% |
| Participant deferral / active EE | $3,058 | $5,732-46.6% | $5,054-39.5% | $6,691-54.3% |
| Admin fee / account holder | $13,890 | $13,335+4.2% | $9,455+46.9% | $13,402+3.6% |