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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 | $95,228 | $110,379-13.7% | $102,412-7.0% | $145,884-34.7% |
| Participation rate | 93.3% | 77.9%+15.4pp | 74.5%+18.8pp | 80.3%+13.0pp |
| Annual return | 12.78% | 24.84%-12.1pp | 24.94%-12.2pp | 551.85%-539.1pp |
| Employer contribution / active EE | $2,987 | $4,216-29.2% | $3,870-22.8% | $4,662-35.9% |
| Participant deferral / active EE | $3,272 | $5,622-41.8% | $5,060-35.3% | $6,690-51.1% |
| Admin fee / account holder | $1,069 | $9,745-89.0% | $8,388-87.3% | $13,392-92.0% |