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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 | $77,899 | $176,786-55.9% | $146,643-46.9% | $167,536-53.5% |
| Participation rate | 90.9% | 83.6%+7.3pp | 80.1%+10.8pp | 82.1%+8.8pp |
| Annual return | 19.05% | 24.04%-5.0pp | 22.75%-3.7pp | 478.82%-459.8pp |
| Employer contribution / active EE | $1,379 | $5,161-73.3% | $4,137-66.7% | $4,839-71.5% |
| Participant deferral / active EE | $4,156 | $6,440-35.5% | $5,506-24.5% | $6,342-34.5% |
| Admin fee / account holder | $315 | $13,262-97.6% | $10,280-96.9% | $12,315-97.4% |