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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 | $69,678 | $101,795-31.6% | $165,100-57.8% | $80,959-13.9% |
| Participation rate | 96.2% | 71.8%+24.3pp | 78.6%+17.5pp | 67.7%+28.5pp |
| Annual return | 11.34% | 16.73%-5.4pp | 70.21%-58.9pp | 35.67%-24.3pp |
| Employer contribution / active EE | $1,183 | $2,954-59.9% | $4,348-72.8% | $2,757-57.1% |
| Participant deferral / active EE | $4,971 | $4,476+11.1% | $6,035-17.6% | $4,300+15.6% |
| Admin fee / account holder | $3,167 | $8,221-61.5% | $12,696-75.1% | $6,925-54.3% |