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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 | $79,466 | $91,037-12.7% | $71,671+10.9% | $147,586-46.2% |
| Participation rate | 95.5% | 76.1%+19.3pp | 68.7%+26.7pp | 82.8%+12.6pp |
| Annual return | 14.35% | 20.48%-6.1pp | 20.65%-6.3pp | 578.59%-564.2pp |
| Employer contribution / active EE | $1,882 | $3,327-43.5% | $2,460-23.5% | $4,876-61.4% |
| Participant deferral / active EE | $2,320 | $4,498-48.4% | $3,438-32.5% | $5,439-57.3% |
| Admin fee / account holder | $599 | $8,613-93.0% | $5,558-89.2% | $10,886-94.5% |