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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 | $86,904 | $162,821-46.6% | $133,978-35.1% | $158,982-45.3% |
| Participation rate | 91.7% | 83.2%+8.4pp | 79.8%+11.8pp | 82.0%+9.7pp |
| Annual return | 24.99% | 41.95%-17.0pp | 45.10%-20.1pp | 302.99%-278.0pp |
| Employer contribution / active EE | $1,494 | $4,976-70.0% | $3,919-61.9% | $4,763-68.6% |
| Participant deferral / active EE | $2,024 | $5,910-65.8% | $5,047-59.9% | $5,983-66.2% |
| Admin fee / account holder | $4,644 | $11,742-60.4% | $8,930-48.0% | $11,252-58.7% |