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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 | $99,502 | $117,895-15.6% | $102,460-2.9% | $145,897-31.8% |
| Participation rate | 88.9% | 78.6%+10.3pp | 76.5%+12.4pp | 80.3%+8.6pp |
| Annual return | 19.70% | 31.92%-12.2pp | 29.47%-9.8pp | 552.29%-532.6pp |
| Employer contribution / active EE | $1,768 | $3,619-51.2% | $3,025-41.6% | $4,663-62.1% |
| Participant deferral / active EE | $3,871 | $5,736-32.5% | $5,056-23.4% | $6,689-42.1% |
| Admin fee / account holder | $2,508 | $13,353-81.2% | $9,460-73.5% | $13,390-81.3% |