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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 | $82,052 | $117,829-30.4% | $102,423-19.9% | $145,877-43.8% |
| Participation rate | 75.0% | 78.6%-3.6pp | 76.5%-1.5pp | 80.3%-5.3pp |
| Annual return | 18.67% | 31.83%-13.2pp | 29.42%-10.7pp | 551.28%-532.6pp |
| Employer contribution / active EE | $1,197 | $3,615-66.9% | $3,023-60.4% | $4,663-74.3% |
| Participant deferral / active EE | $5,494 | $5,732-4.2% | $5,054+8.7% | $6,691-17.9% |
| Admin fee / account holder | $6,133 | $13,335-54.0% | $9,455-35.1% | $13,402-54.2% |