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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 | $117,904-15.6% | $102,457-2.9% | $145,978-31.8% |
| Participation rate | 88.9% | 78.6%+10.3pp | 76.5%+12.4pp | 80.3%+8.6pp |
| Annual return | 19.70% | 31.80%-12.1pp | 29.41%-9.7pp | 550.52%-530.8pp |
| Employer contribution / active EE | $1,768 | $3,613-51.1% | $3,022-41.5% | $4,662-62.1% |
| Participant deferral / active EE | $3,871 | $5,733-32.5% | $5,054-23.4% | $6,690-42.1% |
| Admin fee / account holder | $2,508 | $13,329-81.2% | $9,451-73.5% | $13,400-81.3% |