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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 | $90,907 | $106,280-14.5% | $96,538-5.8% | $139,487-34.8% |
| Participation rate | 93.8% | 77.8%+15.9pp | 74.3%+19.4pp | 80.3%+13.4pp |
| Annual return | 15.91% | 38.48%-22.6pp | 35.74%-19.8pp | 373.84%-357.9pp |
| Employer contribution / active EE | $2,727 | $4,107-33.6% | $3,740-27.1% | $4,755-42.6% |
| Participant deferral / active EE | $4,760 | $5,457-12.8% | $4,880-2.5% | $6,713-29.1% |
| Admin fee / account holder | $1,790 | $7,888-77.3% | $6,737-73.4% | $11,407-84.3% |