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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 | $87,883 | $127,273-30.9% | $109,895-20.0% | $167,518-47.5% |
| Participation rate | 92.3% | 77.9%+14.4pp | 74.2%+18.1pp | 82.1%+10.2pp |
| Annual return | 12.63% | 22.97%-10.3pp | 29.46%-16.8pp | 478.71%-466.1pp |
| Employer contribution / active EE | $1,154 | $3,324-65.3% | $2,843-59.4% | $4,838-76.2% |
| Participant deferral / active EE | $1,851 | $4,515-59.0% | $4,049-54.3% | $6,342-70.8% |
| Admin fee / account holder | $2,410 | $7,117-66.1% | $6,067-60.3% | $12,312-80.4% |