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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 | $68,951 | $118,708-41.9% | $98,920-30.3% | $158,982-56.6% |
| Participation rate | 89.5% | 77.8%+11.6pp | 76.0%+13.4pp | 82.0%+7.5pp |
| Annual return | 12.61% | 372.49%-359.9pp | 196.47%-183.9pp | 302.99%-290.4pp |
| Employer contribution / active EE | $1,180 | $3,334-64.6% | $2,689-56.1% | $4,763-75.2% |
| Participant deferral / active EE | $3,517 | $5,089-30.9% | $4,245-17.1% | $5,983-41.2% |
| Admin fee / account holder | $6,924 | $10,134-31.7% | $6,643+4.2% | $11,252-38.5% |