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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 | $75,178 | $117,859-36.2% | $102,438-26.6% | $145,959-48.5% |
| Participation rate | 88.9% | 78.6%+10.3pp | 76.5%+12.4pp | 80.3%+8.6pp |
| Annual return | 11.79% | 31.72%-19.9pp | 29.37%-17.6pp | 561.95%-550.2pp |
| Employer contribution / active EE | $2,808 | $3,615-22.3% | $3,024-7.1% | $4,661-39.8% |
| Participant deferral / active EE | $6,856 | $5,732+19.6% | $5,054+35.7% | $6,689+2.5% |
| Admin fee / account holder | $3,875 | $13,318-70.9% | $9,448-59.0% | $13,398-71.1% |