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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 | $69,401 | $106,280-34.7% | $96,538-28.1% | $139,487-50.2% |
| Participation rate | 85.7% | 77.8%+7.9pp | 74.3%+11.4pp | 80.3%+5.4pp |
| Annual return | 19.75% | 38.48%-18.7pp | 35.74%-16.0pp | 373.84%-354.1pp |
| Employer contribution / active EE | $3,571 | $4,107-13.0% | $3,740-4.5% | $4,755-24.9% |
| Participant deferral / active EE | $2,357 | $5,457-56.8% | $4,880-51.7% | $6,713-64.9% |
| Admin fee / account holder | $4,630 | $7,888-41.3% | $6,737-31.3% | $11,407-59.4% |