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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 | $90,672 | $124,330-27.1% | $109,173-16.9% | $167,536-45.9% |
| Participation rate | 94.7% | 79.5%+15.3pp | 75.9%+18.9pp | 82.1%+12.6pp |
| Annual return | 14.76% | 26.04%-11.3pp | 25.75%-11.0pp | 478.82%-464.1pp |
| Employer contribution / active EE | $2,847 | $4,209-32.4% | $3,723-23.5% | $4,839-41.2% |
| Participant deferral / active EE | $4,834 | $5,256-8.0% | $4,654+3.9% | $6,342-23.8% |
| Admin fee / account holder | $985 | $7,974-87.6% | $6,755-85.4% | $12,315-92.0% |