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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 | $65,642 | $118,488-44.6% | $98,462-33.3% | $139,487-52.9% |
| Participation rate | 90.9% | 77.5%+13.4pp | 75.2%+15.7pp | 80.3%+10.6pp |
| Annual return | 14.88% | 18.96%-4.1pp | 21.17%-6.3pp | 373.84%-359.0pp |
| Employer contribution / active EE | $2,851 | $3,611-21.0% | $3,049-6.5% | $4,755-40.0% |
| Participant deferral / active EE | $4,150 | $5,393-23.1% | $4,738-12.4% | $6,713-38.2% |
| Admin fee / account holder | $6,209 | $13,868-55.2% | $8,875-30.0% | $11,407-45.6% |