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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 | $72,594 | $101,063-28.2% | $81,473-10.9% | $147,586-50.8% |
| Participation rate | 90.0% | 74.5%+15.5pp | 68.0%+22.0pp | 82.8%+7.2pp |
| Annual return | 9.32% | 32.41%-23.1pp | 38.78%-29.5pp | 578.59%-569.3pp |
| Employer contribution / active EE | $2,080 | $3,206-35.1% | $2,568-19.0% | $4,876-57.4% |
| Participant deferral / active EE | $6,691 | $4,242+57.7% | $3,537+89.2% | $5,439+23.0% |
| Admin fee / account holder | $847 | $5,812-85.4% | $4,561-81.4% | $10,886-92.2% |