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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 | $63,527 | $117,904-46.1% | $102,457-38.0% | $145,978-56.5% |
| Participation rate | 93.8% | 78.6%+15.1pp | 76.5%+17.3pp | 80.3%+13.5pp |
| Annual return | 13.04% | 31.80%-18.8pp | 29.41%-16.4pp | 550.52%-537.5pp |
| Employer contribution / active EE | $1,708 | $3,613-52.7% | $3,022-43.5% | $4,662-63.4% |
| Participant deferral / active EE | $3,740 | $5,733-34.8% | $5,054-26.0% | $6,690-44.1% |
| Admin fee / account holder | $721 | $13,329-94.6% | $9,451-92.4% | $13,400-94.6% |