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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 | $89,452 | $115,903-22.8% | $100,528-11.0% | $158,966-43.7% |
| Participation rate | 90.0% | 81.6%+8.4pp | 79.4%+10.6pp | 82.0%+8.0pp |
| Annual return | 14.47% | 34.80%-20.3pp | 30.90%-16.4pp | 302.95%-288.5pp |
| Employer contribution / active EE | $1,657 | $4,105-59.6% | $3,419-51.5% | $4,762-65.2% |
| Participant deferral / active EE | $9,406 | $6,677+40.9% | $6,271+50.0% | $5,983+57.2% |
| Admin fee / account holder | $3,146 | $11,000-71.4% | $8,084-61.1% | $11,250-72.0% |