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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 | $90,422 | $114,013-20.7% | $103,693-12.8% | $155,188-41.7% |
| Participation rate | 93.3% | 75.2%+18.1pp | 72.6%+20.7pp | 80.8%+12.5pp |
| Annual return | 23.36% | 49.31%-25.9pp | 47.61%-24.2pp | 148.84%-125.5pp |
| Employer contribution / active EE | $2,941 | $3,131-6.1% | $2,920+0.7% | $4,248-30.8% |
| Participant deferral / active EE | $6,622 | $4,970+33.2% | $4,579+44.6% | $6,531+1.4% |
| Admin fee / account holder | $786 | $8,407-90.7% | $7,858-90.0% | $14,480-94.6% |