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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 | $73,486 | $106,267-30.8% | $96,520-23.9% | $139,456-47.3% |
| Participation rate | 80.0% | 77.8%+2.2pp | 74.3%+5.7pp | 80.3%-0.3pp |
| Annual return | 18.13% | 38.45%-20.3pp | 35.72%-17.6pp | 373.45%-355.3pp |
| Employer contribution / active EE | $1,024 | $4,105-75.1% | $3,739-72.6% | $4,753-78.5% |
| Participant deferral / active EE | $6,055 | $5,454+11.0% | $4,879+24.1% | $6,711-9.8% |
| Admin fee / account holder | $897 | $7,882-88.6% | $6,733-86.7% | $11,407-92.1% |