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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 | $83,006 | $106,923-22.4% | $84,023-1.2% | $152,909-45.7% |
| Participation rate | 86.4% | 75.3%+11.1pp | 69.0%+17.3pp | 82.5%+3.9pp |
| Annual return | 23.35% | 105.02%-81.7pp | 71.32%-48.0pp | 345.46%-322.1pp |
| Employer contribution / active EE | $1,934 | $2,735-29.3% | $1,984-2.5% | $4,764-59.4% |
| Participant deferral / active EE | $4,074 | $4,013+1.5% | $3,239+25.8% | $5,851-30.4% |
| Admin fee / account holder | $1,552 | $8,289-81.3% | $6,102-74.6% | $11,601-86.6% |