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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 | $59,746 | $110,337-45.9% | $102,383-41.6% | $145,877-59.0% |
| Participation rate | 87.5% | 77.9%+9.6pp | 74.5%+13.0pp | 80.3%+7.2pp |
| Annual return | 12.86% | 24.83%-12.0pp | 24.94%-12.1pp | 551.28%-538.4pp |
| Employer contribution / active EE | $2,510 | $4,216-40.5% | $3,870-35.2% | $4,663-46.2% |
| Participant deferral / active EE | $9,126 | $5,621+62.4% | $5,060+80.4% | $6,691+36.4% |
| Admin fee / account holder | $912 | $9,750-90.6% | $8,391-89.1% | $13,402-93.2% |