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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 | $69,951 | $149,778-53.3% | $118,946-41.2% | $158,966-56.0% |
| Participation rate | 95.0% | 82.1%+12.9pp | 75.4%+19.6pp | 82.0%+13.0pp |
| Annual return | 18.63% | 19.95%-1.3pp | 35.89%-17.3pp | 302.95%-284.3pp |
| Employer contribution / active EE | $2,365 | $4,117-42.6% | $3,263-27.5% | $4,762-50.3% |
| Participant deferral / active EE | $3,554 | $5,225-32.0% | $4,266-16.7% | $5,983-40.6% |
| Admin fee / account holder | $3,294 | $8,604-61.7% | $6,581-49.9% | $11,250-70.7% |