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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 | $64,220 | $110,410-41.8% | $102,437-37.3% | $145,897-56.0% |
| Participation rate | 95.2% | 77.9%+17.3pp | 74.5%+20.7pp | 80.3%+14.9pp |
| Annual return | 19.80% | 24.85%-5.0pp | 24.95%-5.1pp | 552.29%-532.5pp |
| Employer contribution / active EE | $1,915 | $4,217-54.6% | $3,871-50.5% | $4,663-58.9% |
| Participant deferral / active EE | $8,881 | $5,622+58.0% | $5,060+75.5% | $6,689+32.8% |
| Admin fee / account holder | $8,139 | $9,745-16.5% | $8,388-3.0% | $13,390-39.2% |