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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 | $90,639 | $127,779-29.1% | $106,551-14.9% | $167,518-45.9% |
| Participation rate | 92.9% | 78.3%+14.6pp | 76.1%+16.7pp | 82.1%+10.7pp |
| Annual return | 10.36% | 33.87%-23.5pp | 26.80%-16.4pp | 478.71%-468.4pp |
| Employer contribution / active EE | $1,968 | $3,427-42.6% | $2,819-30.2% | $4,838-59.3% |
| Participant deferral / active EE | $5,835 | $5,088+14.7% | $4,398+32.7% | $6,342-8.0% |
| Admin fee / account holder | $6,922 | $11,228-38.3% | $7,408-6.5% | $12,312-43.8% |