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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 | $78,815 | $110,337-28.6% | $102,383-23.0% | $145,877-46.0% |
| Participation rate | 91.7% | 77.9%+13.7pp | 74.5%+17.2pp | 80.3%+11.4pp |
| Annual return | 18.83% | 24.83%-6.0pp | 24.94%-6.1pp | 551.28%-532.5pp |
| Employer contribution / active EE | $3,022 | $4,216-28.3% | $3,870-21.9% | $4,663-35.2% |
| Participant deferral / active EE | $7,023 | $5,621+25.0% | $5,060+38.8% | $6,691+5.0% |
| Admin fee / account holder | $1,571 | $9,750-83.9% | $8,391-81.3% | $13,402-88.3% |