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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 | $69,369 | $78,670-11.8% | $109,173-36.5% | $85,847-19.2% |
| Participation rate | 80.0% | 68.3%+11.7pp | 75.9%+4.1pp | 69.3%+10.7pp |
| Annual return | 12.72% | 25.09%-12.4pp | 25.75%-13.0pp | 318.61%-305.9pp |
| Employer contribution / active EE | $1,704 | $2,734-37.7% | $3,723-54.2% | $2,565-33.6% |
| Participant deferral / active EE | $2,817 | $3,467-18.8% | $4,654-39.5% | $3,952-28.7% |
| Admin fee / account holder | $1,990 | $5,469-63.6% | $6,755-70.5% | $6,261-68.2% |