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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 | $78,511 | $103,393-24.1% | $87,103-9.9% | $152,909-48.7% |
| Participation rate | 91.7% | 79.4%+12.3pp | 76.9%+14.8pp | 82.5%+9.2pp |
| Annual return | 21.30% | 28.10%-6.8pp | 28.19%-6.9pp | 345.46%-324.2pp |
| Employer contribution / active EE | $1,552 | $3,221-51.8% | $2,521-38.5% | $4,764-67.4% |
| Participant deferral / active EE | $2,261 | $4,778-52.7% | $4,049-44.2% | $5,851-61.4% |
| Admin fee / account holder | $6,395 | $12,195-47.6% | $7,491-14.6% | $11,601-44.9% |