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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 | $69,552 | $110,410-37.0% | $102,437-32.1% | $145,897-52.3% |
| Participation rate | 88.2% | 77.9%+10.3pp | 74.5%+13.7pp | 80.3%+7.9pp |
| Annual return | 15.52% | 24.85%-9.3pp | 24.95%-9.4pp | 552.29%-536.8pp |
| Employer contribution / active EE | $2,087 | $4,217-50.5% | $3,871-46.1% | $4,663-55.2% |
| Participant deferral / active EE | $5,294 | $5,622-5.8% | $5,060+4.6% | $6,689-20.9% |
| Admin fee / account holder | $4,102 | $9,745-57.9% | $8,388-51.1% | $13,390-69.4% |