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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 | $87,724 | $185,312-52.7% | $161,489-45.7% | $154,746-43.3% |
| Participation rate | 75.0% | 82.5%-7.5pp | 78.7%-3.7pp | 80.7%-5.7pp |
| Annual return | 17.62% | 103.84%-86.2pp | 89.72%-72.1pp | 172.34%-154.7pp |
| Employer contribution / active EE | $1,145 | $4,769-76.0% | $4,268-73.2% | $4,379-73.9% |
| Participant deferral / active EE | $4,329 | $6,350-31.8% | $5,630-23.1% | $6,730-35.7% |
| Admin fee / account holder | $1,042 | $18,654-94.4% | $16,006-93.5% | $14,365-92.7% |