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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 | $107,466 | $161,352-33.4% | $134,172-19.9% | $137,256-21.7% |
| Participation rate | 90.0% | 78.3%+11.7pp | 72.5%+17.5pp | 80.0%+10.0pp |
| Annual return | 16.95% | 28.72%-11.8pp | 25.30%-8.3pp | 220.34%-203.4pp |
| Employer contribution / active EE | $2,495 | $4,099-39.1% | $3,420-27.0% | $4,156-40.0% |
| Participant deferral / active EE | $3,786 | $5,552-31.8% | $4,690-19.3% | $6,407-40.9% |
| Admin fee / account holder | $6,649 | $15,028-55.8% | $12,016-44.7% | $12,270-45.8% |