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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 | $75,570 | $167,415-54.9% | $140,514-46.2% | $198,609-62.0% |
| Participation rate | 90.0% | 80.9%+9.1pp | 77.8%+12.2pp | 82.4%+7.6pp |
| Annual return | 8.83% | 13.85%-5.0pp | 14.36%-5.5pp | 202.70%-193.9pp |
| Employer contribution / active EE | $1,284 | $4,088-68.6% | $3,378-62.0% | $5,055-74.6% |
| Participant deferral / active EE | $5,152 | $5,579-7.7% | $4,919+4.7% | $6,977-26.2% |
| Admin fee / account holder | $693 | $16,730-95.9% | $13,697-94.9% | $19,030-96.4% |