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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 | $66,654 | $124,980-46.7% | $108,359-38.5% | $154,746-56.9% |
| Participation rate | 86.4% | 75.2%+11.2pp | 70.1%+16.2pp | 80.7%+5.7pp |
| Annual return | 11.17% | 45.00%-33.8pp | 36.89%-25.7pp | 172.34%-161.2pp |
| Employer contribution / active EE | $1,368 | $2,851-52.0% | $2,399-43.0% | $4,379-68.8% |
| Participant deferral / active EE | $3,004 | $4,743-36.7% | $4,137-27.4% | $6,730-55.4% |
| Admin fee / account holder | $3,529 | $11,502-69.3% | $9,741-63.8% | $14,365-75.4% |