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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 | $78,058 | $111,535-30.0% | $105,223-25.8% | $137,256-43.1% |
| Participation rate | 90.5% | 78.1%+12.4pp | 75.0%+15.4pp | 80.0%+10.5pp |
| Annual return | 11.92% | 237.85%-225.9pp | 180.65%-168.7pp | 220.34%-208.4pp |
| Employer contribution / active EE | $1,953 | $3,939-50.4% | $3,689-47.0% | $4,156-53.0% |
| Participant deferral / active EE | $7,456 | $5,500+35.6% | $5,072+47.0% | $6,407+16.4% |
| Admin fee / account holder | $1,652 | $9,721-83.0% | $8,859-81.3% | $12,270-86.5% |