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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 | $102,751 | $149,778-31.4% | $118,946-13.6% | $158,966-35.4% |
| Participation rate | 94.4% | 82.1%+12.4pp | 75.4%+19.1pp | 82.0%+12.5pp |
| Annual return | 18.10% | 19.95%-1.8pp | 35.89%-17.8pp | 302.95%-284.9pp |
| Employer contribution / active EE | $3,771 | $4,117-8.4% | $3,263+15.6% | $4,762-20.8% |
| Participant deferral / active EE | $2,983 | $5,225-42.9% | $4,266-30.1% | $5,983-50.1% |
| Admin fee / account holder | $576 | $8,604-93.3% | $6,581-91.2% | $11,250-94.9% |