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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 | $97,712 | $180,028-45.7% | $138,135-29.3% | $158,966-38.5% |
| Participation rate | 88.2% | 82.2%+6.0pp | 78.7%+9.5pp | 82.0%+6.3pp |
| Annual return | 10.50% | 21.68%-11.2pp | 20.51%-10.0pp | 302.95%-292.4pp |
| Employer contribution / active EE | $2,979 | $7,470-60.1% | $5,587-46.7% | $4,762-37.4% |
| Participant deferral / active EE | $5,840 | $7,717-24.3% | $6,431-9.2% | $5,983-2.4% |
| Admin fee / account holder | $3,744 | $17,912-79.1% | $11,856-68.4% | $11,250-66.7% |