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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 | $69,796 | $106,247-34.3% | $96,515-27.7% | $139,466-50.0% |
| Participation rate | 88.9% | 77.8%+11.0pp | 74.3%+14.5pp | 80.3%+8.6pp |
| Annual return | 13.85% | 38.47%-24.6pp | 35.73%-21.9pp | 373.66%-359.8pp |
| Employer contribution / active EE | $2,926 | $4,106-28.7% | $3,740-21.8% | $4,754-38.5% |
| Participant deferral / active EE | $4,119 | $5,456-24.5% | $4,880-15.6% | $6,712-38.6% |
| Admin fee / account holder | $2,760 | $7,885-65.0% | $6,735-59.0% | $11,409-75.8% |