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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 | $78,201 | $88,672-11.8% | $105,223-25.7% | $82,448-5.2% |
| Participation rate | 95.9% | 67.9%+28.0pp | 75.0%+20.9pp | 68.1%+27.9pp |
| Annual return | 18.44% | 30.86%-12.4pp | 180.65%-162.2pp | 41.64%-23.2pp |
| Employer contribution / active EE | $1,303 | $3,048-57.2% | $3,689-64.7% | $2,551-48.9% |
| Participant deferral / active EE | $3,963 | $4,036-1.8% | $5,072-21.9% | $4,139-4.2% |
| Admin fee / account holder | $7,442 | $7,146+4.1% | $8,859-16.0% | $7,234+2.9% |