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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 | $92,680 | $106,247-12.8% | $96,515-4.0% | $139,466-33.5% |
| Participation rate | 95.7% | 77.8%+17.8pp | 74.3%+21.3pp | 80.3%+15.3pp |
| Annual return | 14.48% | 38.47%-24.0pp | 35.73%-21.2pp | 373.66%-359.2pp |
| Employer contribution / active EE | $2,406 | $4,106-41.4% | $3,740-35.6% | $4,754-49.4% |
| Participant deferral / active EE | $4,568 | $5,456-16.3% | $4,880-6.4% | $6,712-31.9% |
| Admin fee / account holder | $4,401 | $7,885-44.2% | $6,735-34.7% | $11,409-61.4% |