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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 | $96,034 | $113,338-15.3% | $94,993+1.1% | $147,586-34.9% |
| Participation rate | 90.9% | 78.0%+12.9pp | 73.9%+17.0pp | 82.8%+8.1pp |
| Annual return | 5.75% | 20.80%-15.0pp | 27.14%-21.4pp | 578.59%-572.8pp |
| Employer contribution / active EE | $1,864 | $3,160-41.0% | $2,603-28.4% | $4,876-61.8% |
| Participant deferral / active EE | $878 | $3,777-76.8% | $3,317-73.5% | $5,439-83.9% |
| Admin fee / account holder | $5,212 | $6,063-14.0% | $4,960+5.1% | $10,886-52.1% |