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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 | $69,661 | $149,741-53.5% | $118,914-41.4% | $158,982-56.2% |
| Participation rate | 94.4% | 82.1%+12.3pp | 75.4%+19.0pp | 82.0%+12.5pp |
| Annual return | 16.65% | 19.94%-3.3pp | 35.89%-19.2pp | 302.99%-286.3pp |
| Employer contribution / active EE | $2,944 | $4,119-28.5% | $3,264-9.8% | $4,763-38.2% |
| Participant deferral / active EE | $8,085 | $5,226+54.7% | $4,266+89.5% | $5,983+35.1% |
| Admin fee / account holder | $831 | $8,607-90.3% | $6,582-87.4% | $11,252-92.6% |