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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 | $88,270 | $118,496-25.5% | $98,461-10.4% | $139,466-36.7% |
| Participation rate | 87.5% | 77.5%+10.0pp | 75.2%+12.3pp | 80.3%+7.2pp |
| Annual return | 12.18% | 18.96%-6.8pp | 21.17%-9.0pp | 373.66%-361.5pp |
| Employer contribution / active EE | $2,041 | $3,611-43.5% | $3,049-33.1% | $4,754-57.1% |
| Participant deferral / active EE | $4,672 | $5,393-13.4% | $4,738-1.4% | $6,712-30.4% |
| Admin fee / account holder | $2,326 | $14,056-83.5% | $8,961-74.0% | $11,409-79.6% |